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Ding! Ding! All change, please... (now replaced with new diary on MFW)
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Your evening sounds like a great way to relax before a busy time ahead. I think the joy of painting toenails is the personal care aspect you can see them even if no one else can. The thought of leg hair sticking to them made me smile - that effect will never catch on 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)6
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I think we spend as much feeding the birds as we do the cats and dogs, but every time I look up from my screen there is movement and things to smile at. It took two springs of feeding to get the range and quantity of birds but now they rip through mealworms/sunflower hearts and nijer seed as fast as mr redo fills the feeders. The repurposed water filled seed tray attracts drinkers and bathers and the odd thirsty hedgehog too. Well worth the time and moneyMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo10 -
Sounds busy for you atm. Enjoy 👍January spends - £587.585
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Sounds lovely on the 🐦 feederAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/254 -
Congratulations on all the housing progress.
It might be too much faff when you're busy but remember that if you're doing a few days worth of tube trips, if you can touch in and out before or after peak times that's a few quid saved. Also, again it might be too bothersome for you but if you use your debit cards instead of oyster cards you're only paying for exactly what you use rather than putting a chunk on, and if you paid the five pound deposit you can get that refunded if you relinquish the oyster card4 -
Morning all!
PennysintoPounds that's good suggestions on the Oyster front - however as a Londoner who has spent a LOT of time in my life muttering under my breath about tourists stopping at the barriers to get a debit card out to use I'm be sticking firmly with the Oyster - it works well for me as I'm content to carry it in a pocket whereas I wouldn't risk that with a bank card. MrEH will use his way through the credit on his for regular work travel if it ends up over-fed at this stage anyway, and I travel in and out often enough that any surplus will get used soon enough. Thanks for the thoughts though! (I've had my Oyster so long that my deposit is only £3 too - I'd not realised inflation had played a part there!)
We are always absolutely happy to spend the money on bird food - they are such a pleasure to watch! MAB I'm not certain which site you're referring to - we order straight from the RSPB as we are confident in the quality of that and know our local birds will eat it all without waste. Redo our birds get given their water in an old flat pasta bowl - it gained a crack several years ago so was no longer any use for us, but doesn't actually leak unless the contents are hot so we added a chunk of broken terracotta plant pot as an island for the smaller birds to stand on, and they all now happily use it for drinking and bathing! Having a glazed finish it's perfect as it's dead easy to keep clean too!
I agree on the toenails - I do love looking down and glimpsing a lovely vibrant colour! That said though, I didn't get to mine last night in the end - ended up having more to do on the voluntary role stuff than I expected and so everything else got pushed back. I'll need to get my legs done this evening, but the toenails will be visible to nobody other than me and MrEH for the next 10 days or so - they can wait!
Foxgloves the biggest issues with Probate at the moment are the sheer length of time the Probate Registry are taking - we've not had even the simplest of matters at work take much less than 6 months to come through in the past few years, and some have been far longer - it's very frustrating!
My new SIM card for my phone arrived yesterday which was very handy indeed - I got it into the phone last night and got the switch of numbers sorted - that should be happening tomorrow which is good, I had half expected it to take longer and both Friday and the beginning of next week would have been a pain.
MrEH's Mum sent me money for my birthday - that has gone in to the account we are stashing money into for the purchase of the multi-cooker. Work also gave me £100 - that will be heading off to my airshow account once the cheque has cleared.
I have taken the decision to drop the Octopods DD amount although having done it I get the feeling they will still take one more at the previous amount. Dropped to £75 anyway - we have credit in there and if the August payment DOES get taken at that amount it will still more than clear our use as well as leaving a little more credit building.
MrEH has done his price comparisons for his car insurance renewal and his too will be autorenewing with AXA - once again really impressed with them on price.
And today that really is it from me I think. Combination of the quiet time of the month and my head being mince from all the beer festival and house move stuff running around in it!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her10 -
Octopods took one more DD at the higher rate for us but they did mention it when we changed it so they should have said when the new amount would be taken.
Oh dear EH, I have been one of those tourists. Even worse was that I had a 8/9 year old DD with me too!You would have hated me had you been there
Goals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£2003 -
I would certainly have been muttering I bet Starnac! We do get very used to it though!
I changed my DD through the app but then a little later on got the reminder that the DD would be taken next week - and in there it mentioned that any changes made to the DD would take effect from the one after the next to be taken. Handily it's not critical for us - although it might have been nice if the app itself made this clear. In my case it serves me right for dithering!
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6 -
All sounds very organised.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/253 -
I have also been known to gently move tourists out of the way of the ticket barrier
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