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Learning to walk before I run
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Buying something you need in an emergency from the emergency fund is not something to beat yourself up about - that's exactly what it's there for. You needed a suit, couldn't find it cheaper, and it will last you for years. Be kinder to yourself pleaseMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!8 -
To get best value from that suit, consider getting a second pair of trousers from your personal spends, if you can.
Well done on helping your MIL. When my BIL died just beore his 50th birthday, we found my SIL had never shopped, budgeted, cooked or navigated. She could not use a cashpoint, drive, or provide directions to her home when people offered her lifts. At 46 it was a steep learning curve and lots of support (mostly from her children) was needed.
Please don't beat yourself up, you are doing your best, both of youSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here6 -
South_coast said:Buying something you need in an emergency from the emergency fund is not something to beat yourself up about - that's exactly what it's there for. You needed a suit, couldn't find it cheaper, and it will last you for years. Be kinder to yourself please
I am sure your frugal, financial and budget wisdom will be hugely helpful and appreciated with your OH and MIL..DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest7 -
Suffolk_lass said:
Well done on helping your MIL. When my BIL died just beore his 50th birthday, we found my SIL had never shopped, budgeted, cooked or navigated. She could not use a cashpoint, drive, or provide directions to her home when people offered her lifts. At 46 it was a steep learning curve and lots of support (mostly from her children) was needed.6 -
Yes. She can cook, shops with her daughter, and does not need to budget, having remarried and been predeceased a second time. She has never learned to drive, but is walking distance from her eldest daughter who lives in her former home, and she looks after her grandchildren. I doubt navigating or directing has been acquired. I don't know about cash point use. 20 years ago, it mattered a lot. Less so now. Apparently sh used to look at the cosmetics, toiletries and hair adornments while BIL ran round the store, meal plan and list prepared. He trained as a chef, so just did it.Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here7 -
Drat! Grubby browny/green Mark on the collar of the new sodding shirt! All I have to hand is Napisan and usual cleaning stuff, will try an overnight soak.5
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Ed do you not have time to return it?
Does Napisan not contain bleach, it used to (talking 70's/early 80's terry nappies here)
Any right to return it will be invalidated if you bleach it? Or maybe even if you wash it5 -
Paspatur said:Ed do you not have time to return it?
Does Napisan not contain bleach, it used to (talking 70's/early 80's terry nappies here)
Any right to return it will be invalidated if you bleach it? Or maybe even if you wash it6 -
A gallon of Napisan seems to have done the job - stain banished to the land of mist and shadows
A nice quiet slow day before back to work tomorrowWe went round to see MIL and "inherited" a 3-bird roast, some stewing steak and a pork fillet that FIL would have worked wonders with but which MIL couldn't be bothered cooking. Our freezer is now heaving, which is very helpful.Looking forward to getting back to something closer to normality tomorrow, DD1 has her Highland dancing class and I'll need to make an early start of work. The plan is to keep my mouth shut re. purchased leave-gate and just make bland pleasantries with my cack boss. Plenty of time for job hunting when you WFH7 -
Well done on the suit and helping MIL. Good luck for tomorrow. This too shall pass...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/255
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