Balancing the books

Catscoffeecake

art of spending sounds very interesting, will have to see if i can get it from my local library, could do with some help with that!

well done on managing to get to your £200, I saw a post on insta earlier, about investing £20 a month into a S&S ISA and impact that would have over a 15-30 year period. The figures were very surprising.

Blackcats

@Catscoffeecake - despite the title, the book is about why we spend money, being rich v being wealthy and how to find contentment with what we have. It is very insightful.
I am less nervous about investing into my s&s isa now and I have learned to be sanguine about peaks and troughs. A few years ago I put some money into a traditional ISA and the same amount into S&S ISA and let them race each other. S&S has performed better but of course, there is far less certainty than a fixed rate cash in the bank ISA.

A nice relaxed afternoon after a fun but busy few days. I made some progress with my dad today and fingers crossed he will now accept a little more help from his carers. Honest to goodness he is probably the most stubborn person I have ever encountered!

One of our regular monthly pension payments has landed and it's all been distributed to the appropriate places.

The 2 pots I'm focussing now stand at

£2140/£2880 £739.65 to fund

£58.49/£200 £141.51 to fund

and it's egg and chips (no beans for me) for tea 🥳

Sun_Addict

Ugh egg, chips and beans are my nemesis. The three things I hate the most all on one plate 🤢😂Yes I know I’m not normal 🤣

Good news about your dad realising he needs help.

Catscoffeecake

https://forums.moneysavingexpert.com/discussion/comment/82039881#Comment_82039881

I think as long as you are sensible with options you chose, most have had 10+% growth on them so alot better than any saver.

Wanna_Bee_Free

Fingers crossed on your Dad accepting a little more help. That sounds like a successful outcome in a tricky area!

Blackcats

@Sun_Addict - I can't abide baked beans encroaching on the food on my plate whereas MrBC mixes them up with everything on his plate 🤢

@Catscoffeecake - I'm pleased with my investing choices so far and I've weathered a few significant dips for Covid, wars etc

@Wanna_Bee_Free - it will be great once dad settles to the new routine. It's early days of resistance and moaning at the moment!

Blackcats

we are enjoying a week away on our hollibobs. This is the holiday that we booked before we even left last year so it's been properly funded including cattery costs. When I just had one pot labelled holidays I always felt like I had a good amount saved but actually I was probably going to try to spend the same £'s more than once. Now each holiday has a labelled pot and is funded based on known costs which works much better for me.

We are self catering and our lovely hosts left us lots of yummy local goodies which meant we were enjoying a cup of tea and bacon rolls at 7am on our arrival day. We've been having bbq and salad in the evenings watching the sea and the glorious sunsets - bliss. We spent the morning on a fabulous sandy beach with a flask of tea for me and coffee for MrBC. Money is being spent but it feels like a simple and relaxing slow paced week.

Dakota_Rose

The holiday sounds glorious! You have booked a beautiful week for it.

Sun_Addict

You’ve definitely picked a good week for a break by the coast. Enjoy 😎

lucielle

Sounds delightful. Enjoy

L