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Currently clueless...aiming for awareness
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Yeah we do have pancakes at home quite often. I suspect I'm not as liberal with the maple syrup as they are in his favourite cafe 😁.Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.061 -
Today is my Tuesday off with 3yo, obviously we aren't going anywhere due to pox, so should be a NSD! 10yo has a mini triathlon for school today, could we find his PE jumper anywhere last night? No, of course not. He thinks he may have left it on the school field on Friday, but teacher on the school gate was wholly unhelpful and just suggested it 'might still be there' - in the pouring rain 🤨. Great! So he went off to look but I suspect will need a new black hoodie in time for PE on Friday. He's got a bright orange fleece on today instead - at least his teacher won't lose him at the sports centre 🤣
Sold a couple more bits on eBay, and photographed a load more bits to list. The pile doesn't seem to be getting any smaller?!
The house is an absolute bombsite after 3 days at home, so today I'm aiming to try and tidy up...with dervish 3yo in tow...wish me luck!Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.062 -
Give the 3 yo a duster, most like to be "helpful"!
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I ordered a helpful toddler but I appear to have been supplied with an 'experimental' (read destructive) one.
To be fair he did help me water the raised beds with his water pistol 😄Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.062 -
That's a shame. Most 3 yo love to "help"!
1 -
Happy Wednesday!
Feels like a very busy day today, I'm working, 10yo has school trip to synagogue this morning, 10yo and 7yo have a jubilee picnic this afternoon so have gone off in red white and blue to school and if it's not raining parents can attend so OH will go and join in, leaving pox ridden 3yo with me for an hour, and I've also got the food co-op delivery arriving at some point this afternoon which then needs sorting and collection by the other members - the kids love this as it arrives on a huge lorry and then there's always massive boxes left to make dens with.
Got paid child benefit this week which I was ignoring until I ran out of money in my spending account, but with 7yo needing a haircut which I've booked and paid the deposit for, and a small top up shop for bread, yogurt and juice, the balance was £0 last night.
So I've moved the child benefit over and shuffled my pots around. It leaves me £100 spends until payday on 17th - there's 2 week half term coming up including a weekend away with family so it's optimistic but I'll try my very best!
Still need to get OH the cd he wants for his birthday (yes we still have a car with a CD player 😁) but I've got money in the gifts budget for that. Also trying to plan ahead for 7yo birthday at the end of July, keeping my eye on eBay for Build a Bear clothes and craft stuff.
In non-money news, I've planted out more sunflowers after the slugs got a couple of the babies, sweetcorn and beetroot are doing very well and my cucumber that lives in my office window is flowering.
House remains a bombsite....Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.061 -
Just caught up on your diary and just wanted to wish you luck on your journeyAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Thanks for stopping by @savingholmes 🥰
Not sure where the time has gone since Wednesday. Well, actually, I do, it's been juggling the 3yo off nursery and trying to work all hours so I can enjoy my annual leave next week. It's been exhausting, reminiscent of lockdown work/schooling 😱, not my favourite!! I was working until 11 last night and I think I should just about manage to work Monday morning and then a bit on Wednesday but have Tuesday, Thursday and Friday fully off 🤞🤞🤞
OH was out last night so I took the kids for McD's for tea, I just didn't have the wherewithal to cook and clean up. Today was gymnastics, I avoided the café, this afternoon I got Disney plus for 3 months using clubcard points cos 10yo is desperate to watch all the Marvel stuff, so we watched Encanto which was fab, loved it. OH made pizza for tea, he makes the best pizza, but I did go to Aldi for some cheese and added a bottle of wine which was unnecessary but I did feel like I'd earned it this week! I don't drink very often to be fair.
Another quiet day tomorrow, might go to the park, and got father in law coming over on Monday so another day at home, as he has limited mobility after a stroke, then Tuesday is OH birthday so I'm taking everyone out for lunch, so trying to hold back spending until then. Got all of OH presents now, CD from the kids, new guitar stand (£15), book of guitar chords (second hand £6), hoodie (second hand £12), theatre tickets (£120 🙈). Just need cards from me and kids, I might try and persuade kids to make them rather than buy.
Football is finally over so we can watch Stranger Things! Over and out, DFW xUnsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.062 -
Home made cards are always lovely,
Enjoy your time off when you finally make it there.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Is it Wednesday? (peers cautiously out...)
We got through OH birthday yesterday. I say got through, that sounds awful, but if you're familiar with autism and anxiety, birthdays can be a massive trigger and there's usually at least one child in meltdown regularly. Anyway, there was a minor meltdown en route to the theatre and 10yo almost didn't make it in but he was very brave and after the event said how much he loved the show and he was really glad he went. V proud of him (even if nerves frazzled...I fell asleep putting 3yo to bed and was conked out for an hour)
Our trip into the city was a little pricey, went into the huge art shop and got some pens and some lino cutting supplies (one of 10yo current interests) so that was £20. Our meal out was £70 which is not too awful for 5 of us, and I brought back a doggy bag of stuff that the kids are having for lunch.
Today we are going to our local cricket ground, they're having a family day for 'lightening cricket' whatever that is, I have no interest in cricket at all! Anyway is was £5 for adults and kids all free so even if we only stay a little while it's good value for all 5 of us. There's promise of music and activities so hopefully will be fun, although the weather is looking a little iffy. It's a good 45 min walk so will give them some exercise at least. OH is hoping to stop off at the local Greek takeout on the way home for tea, he got some birthday money so he can pay. The food there is apparently amazing but we've never tried it.
Tomorrow is a quiet day, and I need to go shopping for supplies for our family weekend away (Friday to Sunday). We're self catering, my mum wants to do afternoon tea on Friday and BBQ on Saturday so need to do some baking and get bits for salads and the like. I've made £40 on eBay this week so have funds available for that.
Have paid the outstanding balance for our camping holiday in August, out of savings which is fab, no additional debt there, so that's now all paid off including ferry (which was a large chunk of my overdraft back in January that I'm still paying off). Also paid for the big Suma shop that came last week, I put it on credit card but am hoping to have most if not all of it in available spends at the end of the month to pay off due to the savings it makes in buying at wholesale prices. I am trying to build up a pot for Suma (we do it 3 times a year) but then keep needing the funds so dip into it. I've got until September to build it up again so I can pay it off in full straight away.
Anyway, that feels like a long ramble. Waiting for life to slow down a bit, please. Been waiting about 5 years so far!Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.062
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