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Debt and Caring

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Comments

  • Cherryfudge
    Cherryfudge Posts: 13,555 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I hope a bus turns up soon, I assume it's not a walkable distance?

    As to Christmas shopping, that's a good point about increasing the workload, but you'll still have to carry it back from town. I suggest vouchers all round - at least they're light!
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Cherryfudge
    Cherryfudge Posts: 13,555 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Just sticking my head round the door to see if you are okay and not collapsed under a sack of post?

    I planted my bulbs yesterday, so now I'm excited about seeing them come to life.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • You alright pet? Hope you haven't overachieved and are doing a week-long tip run x
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 49

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • Lol haven’t even managed one tip run🤦 
    All good just coming off six days of working in a row. 
  • Cherryfudge
    Cherryfudge Posts: 13,555 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    And breathe. If you can under all those sacks of post.

    Thanks to all the posties working so hard to make it happen when people like me can't organise themselves in good time.  :)
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the 3 jobs. Sounds full on.

    Good luck with gift ideas 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • Fairly chilly day today, van has heated seat and steering wheel so was very reluctant to get out into the cold wind.
    People are ordering too much cheese. 
    Came home today and ate fish cakes and vegetables instead of ordering pizza. Slightly afraid of getting scurvy/developing a truck driver physique if I don’t get on top of the eating. 
    It is only 7 but I could genuinely go to bed now. 
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