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Learning to walk before I run
Comments
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I've never used the future value function - in fact I had to check what it was. I might need to explore whether Numbers has something similarSave £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 -
Makes sense to think about nest eggs now you have your other ducks in a row. I’m sure Glasgow uni used to have about 40% of students staying at home. Why wouldn’t they, best city there is 😁Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214 -
@Suffolk_lass - I'm not a Mac user - but looks like Numbers also uses it. https://www.apple.com/uk/mac/numbers/compatibility/functions.html2
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I’m a Mac user and it definitely does and works the same way. I play with that one and lots of similar functions to try and guess whether I’m putting enough into my pension!edinburgher said:@Suffolk_lass - I'm not a Mac user - but looks like Numbers also uses it. https://www.apple.com/uk/mac/numbers/compatibility/functions.html2026 decluttering: 11,899 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️👑⭐️🏅⭐️🏅⭐️
2026 use up challenge: 1,044🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️ 🏅👑 ⭐️ ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑5002 -
Blimey! Thanks both. All those years of manually calculating compound interest!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 here4 -
It is a powerful formula, I suppose the trick is to not get carried away when you're using it. I tend to use a 3.5% interest rate these days3
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We are all a bit tetchy and sleep deprived, DD2 feeds constantly! £14 paid into my rapidly shrinking SIPP, £17.50 after tax relief.
New kitchen vinyl has been laid (£79 well spent, more work than I expected), just need the new radiator hung (Tuesday) and a new blind (tbc). One of the kickboards no longer fits, I've asked FIL to bring round a plane to trim a few mm off the top. Now that the kitchen refresh is pretty much finished, I'm pleased that we achieved what we set out to, it looks like a new room
I remain convinced that we won't be in this house forever, but local rumblings are that people are getting 25% over asking, so it might be a while yet!8 -
25% over asking!!!! Wow!
Well done on the kitchen.
Commiserations on being sleep deprivedAchieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20285 -
It's pretty hot round here too. We were interested in a small piece of land but it went for double the asking price at auction and yesterday I was phoned by an estate agent a few miles away who had our details (9 years ago, we will say nothing about GDPR!) asking if we were still looking to buy or sellSave £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 -
GDPR - don't remind me of work!
DD1 birthday party today, I am now several million £ lighter than I was yesterday. Everyone had a great time, we are good hosts (if I do say so myself) and most kids were absolutely lovely. Those who were toe-rags were easily managed
£10 paid into SIPP (£12.50 after tax relief), making up for the fact that I spent a tenner on lottery tickets over the next 4 weeks as I'd really like £185MM
6
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