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Jellie wobbles into her MFW journey
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We had "How great thou art" and "Shine, Jesus, Shine" and BIL sang "summertime" as he has a great voice.Please do not confuse me with other gratefulsforhelp. x0
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I like Shine Jesus Shine. Would like Be Still For the Presence but I don't think many people will know it.
I'm liking We Pledge to One Another (to tune I vow to thee my country). Problem is I sound rubbish singing it because of the range you need!2019 fashion on a ration 0/66 coupons0 -
I'm not a religious person, but always liked Jerusalem and How Great Thou Art tooMFW 2011 No. 161 £946.54/£2000 TargetApril 9/15
March 14/15
Feb NSD 15/14
April GC £121.00/£130 March GC £127.60/£150I Love my Furbabies :smileyhea0 -
Have done a bit of gardening while weather nice! Was going to mow lawn to remove leaves but can't start the mower so I did some hoeing and picked up some leaves here and there. Hopegully weather will last so I can do it a bit at a time over the next few days.
I might even start prepping to paint again. Just one feature wall to do so shouldn't be too bad!2019 fashion on a ration 0/66 coupons0 -
Jellie!
Its SOOOOOO GGGGGGOOOOOOOOODDDDDDDDD to have you back here posting!!
Well done on all your efforts.. Hopefully work will get easier - been there, done it, got the badge for it!...
Can't really help with the hymns as we had our religious ceremony in France, so most hyms were in French or Latin
Froggy :rotfl:Froggy's New Lillypad FundTotal so far: £ 10,009.770 -
Thanks Froggy
Hymns in latin probably sound wonderful. I'm tempted by that!!2019 fashion on a ration 0/66 coupons0 -
I shant tell you the songs we're having lol.
When work is crap for me it really spurs me on to get overpaying so I can leave work altogether should I want to in the future.0 -
Oh go on please tell me.....Frank? Elvis? I'm intrigued!!
I think that is what is getting me down....I know we need to overpay as much as possible so I can eventually go part time but I'm not very good at saving when I feel low and busy. End up spending too much on 'treats' like takeaways. I think I need to make some sort of visual reminder of how we are doing to carry with me and motivate me. Trouble is that the mortgage really is huge!! Also the fact that it is offset and not OPs makes it difficult to keep track. It is the best option for us but I find it difficult to know how we're doing day to day.
Might go back to cash spending for a while to help me keep track a bit better.
I guess I'm still getting used to having joint finances for the first time too.2019 fashion on a ration 0/66 coupons0 -
I'm the same when I am annoyed etc, it's almost natural instinct to spend, and don't beat yourself up if you do spend. Take advantage of the good days when you're pro active and save / not spend etc.
My entrance is a jazz version of Aerosmith - armageddon. I wasn't looking for it, but when I heard it I knew I had to have it.0 -
I think joint finances does take quite a ibt of getting used to - so don't take it to heart You will get there.
I think pick songs that are known by most of the people coming is quite key - so if you are doing hymns well known hymns or songs. Definitely do ones you like though - and if you have less well known songs - make sure they are easy to learn and singAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250
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