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Getting the balance right
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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 hmmmm4 -
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 ?3 -
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 plansMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,850/£5,0004 -
Nice to have you back.3
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Just referring back to your last post on the previous page - you're spot on, your health is the most important thing. And part of that *is* adventures, you're right, even little ones. But since you've just found yourself not doing something because of the cost of petrol, why don't you research stuff local to you? If you do VisitScotland - Scotland's National Tourist Organisation and "Visit your county" and put google up to high magnification so that *everything* appears - this is the stuff I did when the first lockdown started easing, and we were allowed to drive a bit. There'll be new ventures starting up, you just can't tell what might recently have opened.
My own county (deep in Englandshire!, no good to you, sorry) has its own maps website - it shows all rights of way at a certain scale, as well as national walks and easy access trails. It's run by the county council, so completely free.
The other thing was your description of fruit picking and foraging - are you near the coast? Near enough, at any rate? Because there might be foragey type environments there, and even if it isn't shellfish etc, its stones and shells and whatnot.
Just like powerspowers is saying about the takeaway/fakeaway - do the stuff you want to do, but find ways of doing it more cheaply. Internet research is *such* a precious thing!2023: the year I get to buy a car5 -
@elantan - sounds like your first step should be a good old fashioned "note down everything you spend for a couple of months"4
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Are there any to good to go options near you? Might fill the takeaway gap with something more affordableAchieve 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 29/7/253 -
So very sorry to read about Mr El.
For some reason I thought that things had got betterI 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.4 -
powerspowers said: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 @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 enjoyable4
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