📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Getting the balance right

1356750

Comments

  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 14 July 2022 at 6:16AM
    Well today is a new day, I'm up gonna have a coffee, now I tried to give coffee up recently, and just keep it for special occasions, that lasted a few weeks but I need to get back to it. Today however is not that day, didnt fall asleep till after midnight due to "hormones" I'm at that tender age sigh. 

    Work today then home tonight. Dinner is going to be gigot chops with tatties turnip, carrots  and broccoli, I havnt eaten much veg recently, been in a bit if a downward spiral and food tends to turn to crap when that happens. Today though I'm gonna eat veg. 

    Have a great day everyone and catch ya later 

    Now wheres that coffee hmmmm
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 14 July 2022 at 2:25PM
    4 coffees later and 6 hours of work done with 2 left to go, I've been mulling ideas around after Kc  kindly looked at my spends. 

    I'm wondering if I can talk Mr el into a takeaway once a fortnight instead of weekly, it would save 60 to put towards decent food. 

    Also thinking I need adventure money, I like to go out as often as I can and usually meet up with a certain MSE'r but I havnt been budgeting for this either and its brilliant fun but the money has to come from somewhere. So I'm gonna add that in. 

    This kinda came about when yesterday with my day off I spent it at home instead of where I wanted to be, traipsing round the lavender fields of fife and picking strawberries so I could dehydrate them for winter. I planned the day, looked up the mileage and went ... cant afford that. It roughly costs me 22.5p in diesel for every mile I travel, we did Pitenweem last weekend at a cost of £40 ( skinty I owe u a tonne of money) in diesel and £45  in food, so there we had £85 of unplanned spends ... and I wonder why I have no money. 

    So I need a realistic affordable adventure budget, and I could sit here and say well El u cant afford adventuring so you will have to forget it, but I know that wont wash and I will just go anyway and be skint and once again not put money by for something that badly needs money put by for. 

    You would think after all these years I would have it sussed by now eh ?
  • powerspowers
    powerspowers Posts: 1,347 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    What about swapping your takeaway? We tend to have chip shop takeaway now rather than curry/Chinese or do fakeaway pizza from supermarket so spending ~£10 rather than £30 each time? 

    I agree that adventures need a budget. Although Covid taught me about adventures starting at home and appreciating what I can get to by walking/cycling/bussing to from here. 

    Good luck with the new diary and fire plans 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,850/£5,000


  • L9XSS
    L9XSS Posts: 438 Forumite
    Third Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    Nice to have you back.
  • edinburgher
    edinburgher Posts: 13,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    @elantan - sounds like your first step should be a good old fashioned "note down everything you spend for a couple of months" ;)
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Are there any to good to go options near you? Might fill the takeaway gap with something more affordable 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 29/7/25
  • beanielou
    beanielou Posts: 95,940 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So very sorry to read about Mr El.
    For some reason I thought that things had got better  :(
    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.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    What about swapping your takeaway? We tend to have chip shop takeaway now rather than curry/Chinese or do fakeaway pizza from supermarket so spending ~£10 rather than £30 each time? 

    I agree that adventures need a budget. Although Covid taught me about adventures starting at home and appreciating what I can get to by walking/cycling/bussing to from here. 

    Good luck with the new diary and fire plans 
    Hi all , bare with me while i reply, still not got to grips with the new site yet :):smile:

    Hi  @powerspowers pleased to meet you, welcome to the frustrating world that is my diary, ( i sometimes wonder if i stop posting through sheer frustration of my life) 

    Are you ready for this one? 

    My friends from MSE that have met both Mr El and myself will be screaming at their monitors, not at you, at the frustration of my situation. To let you understand years ago i noticed Mr El took pleasure in cooking, so for his xmas many years ago i booked us onto a cookery course, Mr El is an amazing cook, he makes the most amazing Chinese, Indian, pizza, cakes etc. Honestly, his food is far superior to the restaurant or take away, and he cooks often ( my waist line is testament to that) but he likes his take away every week, i moan about it cause it aint as good, and fairly often he is heard to say i can make better. We like to eat out as well as he likes to dissect the meal and learn  how to make it at home. 

    This weekend i have asked Mr El if we can have pizza, he has agreed. I am looking forward to it, I am going to try and broach the subject of cutting back on our eating out, i think i would rather have just one delicious meal out a month than the rubbish were currently buying. 

    Frustrating isnt it? 

    As a person that took 3 weeks to make it to the end of my drive way post covid i totally agree adventures dont need to be huge and can start from home, i went through a stage of Swedish death cleaning that was very enjoyable :):smile:   
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    L9XSS said:
    Nice to have you back.
    Thanks, its great to be back, its like coming home :)
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.5K Work, Benefits & Business
  • 599.8K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.