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Debt and Caring
Comments
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That's me this morning. Once I'm warm and moving, it resolves itself but getting started is a long, slow process.WelshmansDaughter said:
Part of me thinks I should just do things but without a structure behind them they tend to just fall by the wayside.
Enjoy your Starbucks.
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 21/3/221 -
Ooh don't forget to look out for McMo tokens on your rounds, competition has just started again! 😁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/do9nSyy8u4nikx6r63 -
Well done on both the overtime and taking a breakAchieve 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 13/9/251 -
Lol PiP I have 2 tokens in my bag from when I got McDonald's breakfast then other morning. The first thing I thought was I wonder if PiP knows the monopoly is back😂😂😂PennysIntoPounds said:Ooh don't forget to look out for McMo tokens on your rounds, competition has just started again! 😁2 -
😂❤️
Get the app on your phone and input them, and you get a free spin per token too! Remember your pal Pip when you're a hundred-thousandaire 😁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/do9nSyy8u4nikx6r61 -
Loving how involved you both are in Monopoly! I would join in but it hurts that only the fries are GF...WelshmansDaughter said:
Lol PiP I have 2 tokens in my bag from when I got McDonald's breakfast then other morning. The first thing I thought was I wonder if PiP knows the monopoly is back😂😂😂PennysIntoPounds said:Ooh don't forget to look out for McMo tokens on your rounds, competition has just started again! 😁DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest0 -
@LadyWithAPlan you can have the Big Mac minus the bun and the breakfast Sausage minus the bun too (my son gets extra hash browns and uses them as ‘bread’) the ‘burger’ comes with a knife and fork, sometimes I take a bun and bob it in one for my DS but I still loathe ALL of the bread so just have the burger/sauce etc.
Sealed pot challenge 822
Jan - £176.66 :j0 -
I don't buy Maccy D's @LadyWithAPlan, I take the classy option of picking up trampled sodden bits of litter from the streets 💅😂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/do9nSyy8u4nikx6r61 -
Driving for work on Monday and what do I see in the middle of the road but a maccy d coffee cup.
I debate with myself.
It's raining and I'm in a part of town where you generally wouldn't pick up anything from the ground.
How can I let the side down I say and pick it up when the road is clear.
Sadly the sticker is soaked through and disintegrates. Risked Ebola for nothing 😂2 -
Funny @WelshmansDaughter 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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250
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