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2022 - Moving forward

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  • jwil
    jwil Posts: 21,992 Forumite
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    peb said:
    Frittatta maybe?  Cut into chunks with your preferred veggies.

    I do salad or soup and eat from the container or mug and have my own cutlery 
    That's a good idea, thank you.  I do have my own cutlery.

    I make a thin chickpea wrap as it is gluten free but it is also a healthy option BS wise. Then use whatever as a filling. Really nice and quite filling too...
    That sounds interesting, I've seen someone make egg wraps before and was considering trying that.  I'd be interested in a recipe too if you don't mind sharing.

    A lot of places have rules like don't eat at desks but don't enforce them.... A break away will do you more good though... Probably 
    I'm sure it will be the same here.  I just need to get the lie of the land.  I used to eat at my desk and then escape to my car for some peace.  I won't have my car here, so more likely will have to go out to get that peace.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £105
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Some of my colleagues were in the new office yesterday so I gave them a good quiz about how things were and got them to put the camera on the laptop and show me the office.  At least I can picture it a bit more now.

    I've been thinking that I might not worry so much about the carbs on the two days I'm in the office so that I can still take something convenient like a sandwich.  As long as I use wholegrains then hopefully it won't impact blood sugar too much.  It will be offset with the walking too.  It's only two days and I can try and go lower carb on the other 5 days.  I don't want to eat a restricted, limited diet, I want it to be balanced with nothing off limits.  But equally, I want to lose some weight!

    In money terms, I joined the staff discount scheme, so I can look at where there is potential to make savings.

    Thanks to MSE Martin, who has helpfully put the new standing charges and unit rates on FB, I have calculated our new price for fuel.  We are currently paying £140 a month and now it looks like it will be around £244 a month.  Not pleasant, but I know many have it much worse.

    I need to go through our overall budgets and see how it all fits together.

    I'm now on leave for a week.  DH is off too, so we hope to do a nice few days out.  One trip planned is to go to Bristol Zoo before it closes.  Otherwise we shall try and make use of our NT membership to have some cheap days out.  I still want to swim in the sea, but the beach I had planned to do that was one that was closed due to sewage outpouring the other week 🤢  So I'll need to check the water quality if we decide to go there!

    Little miss has a friend coming round this morning.  That's a big thing for me, as I've always refused to let people I don't know well in to the house due to the state.  It says a lot about how things have improved even if I still get frustrated.


    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • I make a thin chickpea wrap as it is gluten free but it is also a healthy option BS wise. Then use whatever as a filling. Really nice and quite filling too...
    Ooh, we’re coeliac here,  can I have the recipe ?
    Not sure you could call it a recipe, but chickpea flour (check it doesn't have anything added...I use Doves) then add water a whisk into a thin batter. Cover with a tea towel so it ferments a bit overnight. Re-whisk when using. I like it with garlic granules and smoked paprika and some oregano but use whatever dried herbs and spices you fancy. Fry in very hot oil. I like to fry in coconut oil. You can do a batch as they freeze well

    They might break a little when rolling but I roll in brown paper and eat from the wrapper.

    Enjoy  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Good idea re the 2 days you go in. Whole grains are great for BS so a sandwich is fine and as you say you will be walking more.
    Great young ones can now have friends over.
    Enjoy your holiday
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I make a thin chickpea wrap as it is gluten free but it is also a healthy option BS wise. Then use whatever as a filling. Really nice and quite filling too...
    Ooh, we’re coeliac here,  can I have the recipe ?
    Not sure you could call it a recipe, but chickpea flour (check it doesn't have anything added...I use Doves) then add water a whisk into a thin batter. Cover with a tea towel so it ferments a bit overnight. Re-whisk when using. I like it with garlic granules and smoked paprika and some oregano but use whatever dried herbs and spices you fancy. Fry in very hot oil. I like to fry in coconut oil. You can do a batch as they freeze well

    They might break a little when rolling but I roll in brown paper and eat from the wrapper.

    Enjoy  :)
    Thank you for that, sounds good :)

    Good idea re the 2 days you go in. Whole grains are great for BS so a sandwich is fine and as you say you will be walking more.
    Great young ones can now have friends over.
    Enjoy your holiday
    Thank you :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well little miss had fun with her friend, and she didn't want to go, so that's all been successful.

    While they were playing, I've done 44 listings for DH.  I hope they don't all sell at once!!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • beanielou
    beanielou Posts: 95,638 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So glad that little Miss was able to have a friend over  :)
    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.

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
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    beanielou said:
    So glad that little Miss was able to have a friend over  :)
    Me too. Well done. jwil said:
    Well little miss had fun with her friend, and she didn't want to go, so that's all been successful.

    While they were playing, I've done 44 listings for DH.  I hope they don't all sell at once!!
    Perfect result. While adults worry about mess kids barely notice.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    So glad that little Miss was able to have a friend over  :)
    beanielou said:
    So glad that little Miss was able to have a friend over  :)
    Me too. Well done. jwil said:
    Well little miss had fun with her friend, and she didn't want to go, so that's all been successful.

    While they were playing, I've done 44 listings for DH.  I hope they don't all sell at once!!
    Perfect result. While adults worry about mess kids barely notice.
    Thank you both.  It's a big step forward!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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