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Getting the balance right

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  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Lunch was ok, came to £10 which is £10 that wasnt budgeted for but less than the £30 I expected it to be. 

    not much else to report really, just the countdown till pay day. 

    Working nearly 13 hours in my heavy PPE tomorrow so no plans for Saturday and i will ensure i take it as easy as i can tomorrow. 

    Hope your all good ... 
  • skint_spice
    skint_spice Posts: 13,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You will be fine, exhausted but fine x
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I will be, going to visit a puppy on the saturday once I'm awake so that will be fun as well ... Wonder if I will be visiting any kittens soon  :D  :D 
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on keeping the meal cost down. 

    Visiting puppies or kittens can be dangerous... very much so to budgets... beware  :D
    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
  • skint_spice
    skint_spice Posts: 13,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Puppies?  Kittens? 
    I have been contemplating a kitten as company for mine, the puppy is a friend of El’s.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Yeah, I have a family of spiders trying to take up residence on the ceiling of my hallway - I'm discouraging them with the vacuum cleaner, which is then emptied on the rec ground.
    2023: the year I get to buy a car
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My DD was visited by a huge spider last night which she accused me of letting in - given that she has netting at her windows... 

    I have a cat which is expensive enough. I miss my dog - but glad not to have the expense. I can understand going pet free after a loss. Enjoy visiting those of others.

    I hope your adventuring budget tops up soon. Personally I'd carve a hundred off the pension £ and use it to make life more fun now.
    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
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