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Don't hit me with those negative waves Moriarity

1585961636469

Comments

  • I think we all do to some extent. i do agree though that it only troubles me, the other party is likely to be unaware

    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • LzzyIsGod
    LzzyIsGod Posts: 724 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    Well life keeps ticking along and already 2 weeks to payday.

    Last weeks spends include the last birthday present for youngest yoof and a frivolous purchase of £25 of a tin whistle for a new music project im dipping my toe into (I know I know what a sucker I am)

    The big news hitting me currently came in the form of a letter informing me of a change in tax code - all those additional weekends have caught up with me and the taxman has decided I need to pay more (its never less is it!). I'm trying to reframe that in my mind to "how fortunate am.i currently to pay higher rate tax" rather than the natural expletives that instantly sprung to mind. Needless to say I am now actively looking at the things I can claim tax back on which I've never bothered to before 😂


    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • would you be able to up pension contributions?

    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • LzzyIsGod
    LzzyIsGod Posts: 724 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    I think I may need to be brave and venture onto the pensions board ........ I must confess pensions totally cofuddle me


    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • Rhyddid2026
    Rhyddid2026 Posts: 1,380 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    If you could learn and then make sure you're around in a year or so to help me learn, that would be great, thank you very much!

    I'm just increasing my work pension contributions for now, but have found out that my work pension is rather crap and as I'm starting so late I should probably give it some more thought once I have the brain space.

    Debts                04/01/25       01/06/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £10,200
    Lloyds CC          £6,112.60      £3,795
    1st Direct CC     £176.03         £0
    CC total             £20,411.34    £13,995
    OD                     £1100            £0
    Car loan             £4,000          £3,000
    1st Direct Loan  £10,684.44    £5,275
    Total                  £36,195.78    £22,270
    EF £2,210
    HF £1.06
  • LzzyIsGod
    LzzyIsGod Posts: 724 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    I will try!! @Rhyddid2026

    Nearly passed out this morning as I ordered a leavers hoodies and yearbook - £29.99 for a yearbook!!! What a price to pay for being a sentimental old fool.


    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • Rhyddid2026
    Rhyddid2026 Posts: 1,380 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Wow!! That sounds awesome!! Well done!! (obviously I mean your second entry not your first)

    Debts                04/01/25       01/06/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £10,200
    Lloyds CC          £6,112.60      £3,795
    1st Direct CC     £176.03         £0
    CC total             £20,411.34    £13,995
    OD                     £1100            £0
    Car loan             £4,000          £3,000
    1st Direct Loan  £10,684.44    £5,275
    Total                  £36,195.78    £22,270
    EF £2,210
    HF £1.06
  • FootyFanDan
    FootyFanDan Posts: 2,134 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    What a fab bucket list item to tick off!

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