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Learning to walk before I run
Comments
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Oh ed - it never rains........ I overheard a convo in the queue outside school this afternoon, which involved pusscats, catfights (presumably amongst the felines, and not the fellow-parents... 🤔) and a figure of £750 was mentioned.... as was lack of insurance 😟
I hope any O/T can be balanced - giving you reward, without sapping your energy.
Greying XGC November 2026 £46.10/£143.00 (MrT £16.23/£58, MrS £20/£60, cash £9.87/£22)
"Low-Vember", credit: @Blackcats
Non-food spend November 2026 £13.34/£80
Bulk Fund 2026 Month 11/12 - £0/£20.40 (reducing balance - start £120)4 -
Thanks @Greying_Pilgrim- I share your hopes! Nothing happening until the end of next week at the earliest, I can enjoy the last of the rugby first.4
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Boo to the cat.Yah to limited overtime.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 9 months left.5 -
Sorry to hear about the cat. We had spate of bad luck with our cars last year. Just one thing after the other. I think we spent around £2000 in total. Desperately holding on to mine now to get my moneys worth.
Good news about the overtime.2017 - mortgage of £140,000 and interest rate of £10 a day
Feb 2021 £103000
November 2021 £93000
December 2022 £79000
December 2023 £73000
March 2024 £70000
May 2024 £68000
October 2024 £65000
February 2025 £63000
March 2025 £45000, interest of £6.07 per day
November 2025 £41000, interest of £5.62 per day
March 2026 £38000, interest of £5.22 per day
July 2026 mortgage of £34,000 and interest of £4.97 per day4 -
De lurking to use this linky: https://www.gov.uk/government/news/boost-for-side-hustlers-as-300000-people-to-be-taken-out-of-tax-returns-government-announces
Side hustle threshold tripled, announced 2 days ago. Does this include Scotland? 🤞🏼Debt Free 🍾 since 6.8.13 £32kSaving for 🎄 🎁 2026 £853/£730 117%6 mth 🆘 fund £10kMortgage free since 30.09.26 £195 9 yrs earlyIt turns out the answer to my problems wasn’t at the bottom of this tub of ice-cream, 🍨 but the important thing is that I tried...4 -
Can I check my understanding of the changes re side hustle? My reading of it is that threshold for paying tax isn't changing, the requirement will still kick in at £1k but the difference is that a tax return / self assessment won't be required until £3k. Between £1k and £3k there will be a simple form to fill in rather than completing a full assessment.
https://news.sky.com/story/no-more-tax-returns-for-side-hustlers-selling-clothes-on-vinted-or-making-money-from-tiktok-13326386
"To simplify the complex tax return system, the government also said a new online form will be introduced to declare cash earnings up to £3,000 for self-employed work."
I'll be very happy if I've got it wrong though!3 -
@CCW007 - Oops - looks like I got it wrong
Easy come, easy go, will still be good to avoid a tax return! 5 -
Hmm, modernising and simplifying systems, I seem to remember exactly the same objectives after HMC&E was merged with IR back in 2005.
For me, it is honey sales. I will stick to my doorstep selling and the small number of outlets I use.
Oh yes, pets. Our cat is not insured. The dog is part of a plan where he is checked regularly, with worm and flea treatments, annual vaccinations, weigh ins and claw clipping, if needed. The Accident only insurance, taken out for the third party liability insurance? nobody is offering that now. Yes, I could pay £34 a month for £2000 of vets fees with a big excess, but it was principally the 3PLI I was after, so he is no longer insured.Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
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 in 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
My keep within our budget diary is here5 -
How’s your cat now? Recovering I hope … 🤞
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
c. 18 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2026 as @ 7th November.
Produce tracker: £356 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Thanks for the birthday wishes over on my thread - I trust you will be celebrating a day early for yours? - I would.

Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
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 in 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
My keep within our budget diary is here6
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