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Debt and Caring

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Comments

  • WelshmansDaughter
    WelshmansDaughter Posts: 1,729 Forumite
    1,000 Posts Third Anniversary Name Dropper
    I got a box on wheels SH so I think it's slightly different from Gail's one. The file folders sit on top rather than in a groove. 
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,729 Forumite
    1,000 Posts Third Anniversary Name Dropper
    40 cm wide and 31 cm high SH. It's a 54litre capacity box
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,729 Forumite
    1,000 Posts Third Anniversary Name Dropper
    I might have gotten annoyed at the advent calendar taking up too much space 
  • Cherryfudge
    Cherryfudge Posts: 13,799 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    WelshmansDaughter said:
    I might have gotten annoyed at the advent calendar taking up too much space 
    :D:D:D How very dare it!
    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
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,729 Forumite
    1,000 Posts Third Anniversary Name Dropper
    I kept forgetting to open the damn thing as well 🤣🤣🤣
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,729 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Setting up for a TTDUP style budget in January.

  • WelshmansDaughter
    WelshmansDaughter Posts: 1,729 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Banging my head against the wall making yet another budget. I cut out prescription costs by just buying the vitamin d in the health food shop. I don't have utility costs this month as I am in credit due to the cost of living measures. 
    I'm not entirely sure I'd say it's organised and progress is painfully slow. But hopefully it will all start to make sense to me at some point.
    I think I'll be making the minimum payments next month until I can make sure I get to the end of January with everything paid and money left over.

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Meeting the minimums is the right place to start - and then you look well set to get organised from there. Love your little boxes. I mostly spend online so going to cash wouldn't really work for me - I'm trying to work out what an equivalent would look like for me though so I reduce my fritter spend.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,729 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Yeah I was thinking that as well SH, I don't have a lot of cash spending typically. I was thinking I would get prepaid debit cards if I was doing a full on challenge with groceries etc. I had plans to use a bike subscription app in January but if I can't get it cash or free I'll leave it.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A while ago I used a R3v0lut card for that. PM me if you want a referral link. I am debating whether to go back to that for personal spends - however I have lots of bank accounts - so could divide spends by acct. Rev also let me assign purchases to a type of spend. Not used them much recently though. Some people have issues and prefer the Star1ing acct. Not sure what options exist where you are.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
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