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Living Large, on a Small Income, by the Sea.
Comments
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What a shame about your china. ☹️. But you're not being materialistic in being upset about the breakages - we're all allowed to cherish our beautiful things that surround us and give us pleasure.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
@Tresinia511 I am usually good with my numbers, but it will relate to interest on savings whilst I was waiting to buy. It all got complicated in my 'wandering years' I will do as you say. Thank you

Thanks for the commiserations @beanielou
Thanks for your comments @Seasidegal58...you are right...it is ok to mourn our beautiful things!
Thanks for your comments @PennysIntoPounds I couldn't bear to look at the broken pieces so they are wrapped in newspaper and they have been binned! They were over 100 years old so they have had their time and I enjoyed them for a while
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20257 -
Ooh to HMRC , and Aah to the smashed cups and glass .Life is an adventure, never stop exploring.3
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While I'm sure its useful for some things (though I declare a personal hatred of it), please don't present sums or arguments based on ai to HMRC. Ai 'works' by trawling what information is available online (i.e. everything including nonsense, incorrect stuff, outdated stuff, and deliberate attempts to thwart it) and then making itself look good. Ai can be useful for expanding on something once you input the correct answer so you can then fact check what ai tells you in addition to that. It cannot understand nuance and complexity, its just very good at presenting 'information' like it has.
HMRC are not going to give two hoots if in several years you owe them many more thousands and you say 'but chatgpt said...'3 -
Sorry about the breakages, and hope the HMRC call goes ok x"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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I think ai can be helpful for things like this.
Also the tax office don't always win - often they don't. My dad usually won against them.
Sorry about the breakages - I get disproportionately upset when I break stuff - possibly because it was such a big deal in my childhood - or it could just be that some of the items are no longer stocked and therefore not easy to replace with identical items.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/252 -
Thanks @Sunshine_girl2 @PennysIntoPounds @jwil @savingholmes
My spate of breakages isn't easing up
Lots to think about re AI thank you for sharing your thoughts
I called my GP surgery at 8am on Friday rather than HMRC. Then this morning I had someone here. So, my big tax call will be tomorrow.
Another breakage today. This time a dish that can be replaced, so replacing, as I use daily. A friend has ordered and I am repaying her...£20!
I've been totally NOT MSE during this friend's visit and now I have had a last minute cancellation, so predicted money will not be coming in. Actually I am fine about it. I have had back to back weekends of friends, so it will be nice to go to yoga and have a weekend to myself.
HOWEVER, I need to pull back spending as my CC balance is growing again...
I had a plumbing issue and paid for items to deal with it myself. Nothing worked. I then paid a plumber so funds down again there, but it was essential...
Will check CC tomorrow and come back with a new plan
I hope everyone has had a decent weekend
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20258 -
Bah to another breakage. Those things happen though.I 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.5 -
Dia boo to plumbing issue. I've got a plastering issue (totally self inflicted, I decided to take down a large plastering arch between 2 rooms). Tradespeople are soooo expensive but soooo essential!5
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Ouch! Sorry to hear about the new breakage.Plumbing issues are the pits too. I totally gave up on the idea of any DIY some years ago - I just pay people now. Expensive but necessary. It's the only time I wish I had a couple of ex-partners around who were good at dealing with this sort of thing..... But - only while the DIY problems last....😂😂😂Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”7
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