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Learning to walk before I run
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Brilliant Ed, v impressed by your garden transformation! Hope all are well and back to work is not too dreary CM5
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Thanks @Cornish_mum - not looking forward to returning to work - but not dreading it... yet!
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Work was rather dull yesterday, although I've picked up more work for today to keep me busy.£1.69 OPed and the same added to my ISA (small beer cashback from Ch@se). I am slimming down a few budget lines, only need another £200 or so to be back in the black.6
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Being back in the black tends to be positive. I've had a spendy month too but with rather less excuse than you...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/262 -
My new to us coffee machine is leaking and needs to be returned, the box is the size of a small child :'( Not the end to the week I wanted.
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What sort of machine is it? I know you are quite specific about your coffee. I might ask about ours...Save £12k in 2026 #2 I have banked £865.15 in January against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £138.39 for January and a bigger target of £300 for February, with lots to stock up on
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 2026 discussion thread
My keep within our budget diary is here4 -
@Suffolk_lass - Sage Barista Touch - I'm returning it and considering buying a new one as Sage offer a 2 year warranty. C. £800 new tho, would need to use a credit card and pay it off over a few months try and be good and save up for one 🤔 Machine itself is fantastic, just this particular one leaks3
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Ouch - good luck with the return.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/263 -
The one in the cupboard is a Gaggia Classic or classic pro. 20 + years old. I think it has been out twice since we moved hereSave £12k in 2026 #2 I have banked £865.15 in January against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £138.39 for January and a bigger target of £300 for February, with lots to stock up on
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 2026 discussion thread
My keep within our budget diary is here4 -
@Suffolk_lass lass - we've made something like 15,000 shots on our BTC machine in 6.5 years - roughly 5 a day allowing for duds/cancelled drinks etc.3
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