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Pinching Pennies

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Comments

  • Hi everyone!

    Have been doing some Prolific surveys last night and this morning and have accrued almost £10 already. That's a week of petrol money for me! Would love to keep this up and see how much I can make in a month. 

    SO's parents are due round soon and garden maintenance will be well underway. I'm also seeing a friend I havent seen in 5+ years today (who has recently had a baby) so i'm really looking forward to that. 

    Hope everyone has a good day! 
  • Hi, just here to drool over delicious Todd 🤤 and to wish you luck.
    Beauty seems quite high to me, but I could spend that on chocolate so I have no room to talk 😅
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Hi, just here to drool over delicious Todd 🤤 and to wish you luck.
    Beauty seems quite high to me, but I could spend that on chocolate so I have no room to talk 😅
    Ahh thank you! He’s our little baby. But a serious trouble maker haha!! 

    I agree it is quite high and it’s also a relatively new addition. I’ve been getting a regular monthly wax and that price is with student discount. I don’t feel comfortable enough to attempt it myself just yet 😅 & totally agree I could definitely spend that on chocolate too haha! 
  • I love the picture of Todd. Is he a Birman. Here’s  a picture of my Birman. He’s a trouble maker too and very noisy lol. Good luck with your journey xx
    slowly working towards being MF one small over payment at a time :T
  • I love the picture of Todd. Is he a Birman. Here’s  a picture of my Birman. He’s a trouble maker too and very noisy lol. Good luck with your journey xx
    OMG! What a cutie!! 🥹 what’s his name?? Our kitty is a ragdoll, he’s only 7 months old so still a trouble maker. He loves cuddles and we always meow back at him haha. Thank you very much lovely and thanks for reading  xx
  • Ragdolls and Birmans are really similar. I think the main difference is all Birmans have blue eyes and they don’t have an undercoat so don’t need brushing. Looking forward to seeing more kitty pictures xx
    slowly working towards being MF one small over payment at a time :T
  • Have made £18 doing surveys so far - hoping the transactions clear in time for cash out day on Tuesday.

    Made a new burner account and have switched it to FD so that should net me an extra £150, I’m hoping to put half into my EF and half into my CC. 

    Praying that this will be the last month I’m counting down the days until payday. I’m feeling really positive about this next month. I’ve estimated that I will have £500 ish left over from my Monthly Expenses so the plan is to pop £100 into my EF, £250 into my CC and leave the rest in my acc to work towards being a month ahead. 

    In other news, my SO’s parents came round yday and helped us sort out our front patch of garden. It was desperately in need of de-weeding and we’ve added some trellises and rocks and we’re hoping to add some decorative gravel next weekend. My SO’s parents kindly covered the cost for us which saved us over £100, bless them. They’re angels.



    Another lovely sunny day today and I have work this afternoon. Going to go for a short lunchtime walk to clear my head. Have a good day all!
  • Front garden looks lovely xx
    slowly working towards being MF one small over payment at a time :T
  • savingholmes
    savingholmes Posts: 28,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Garden progress and cat look great. How lovely about the £100 too
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 231 payments to go - now £178.5K Equity 28.6% cf £250K purchase
    2) Spend on handyman, external building works, patio door, hard landscaping, floor £25.3K
    3) CC £20.8K on 0% spends card offset by £31.3K savings
    4) Mortgage neutral by 06/2030 (AVC £15.1K + Lump Sums DB £4.6K + SiPP 1K) 20.6/£127.5K target 16.16% value at 15/11/24
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.5K at 15/9/24
  • Thank you both! I realised after I posted that I forgot to attach a photo of my newest favourite accessory… this gorgeous heritage plant pot 😍 goes lovely with our olive tree (which is from Ald* - and looking a little worse for wear atm due to the heat!) 


    Day off work today - popped to Ald* for a little top up shop which came to 12.79. Going to do some more surveys today but other than that not sure what to do?? May go for a walk later! 

    What are you up to today? 
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