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Prosperous soul in the making
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I don't know how you cope on 15 degrees! Ours is generally set to come on if it's under 18 degrees during the day. I do sit there with a hot water bottle rather than putting the heating on though. I got some nice warm slippers for Christmas which make a huge difference.
Congrats on the book reviews though
"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 -
Thanks Jwil... I'm going to be setting my book to free from roughly 8am uk 12-14/2. I think that means it should finish at 8am on the 15/2 but not totally sure. May see if I can do it as a sponsored product at the same time to maximise take up. I read one guy who said he could tell his income in 3 months time by how many books he gave away free now... Hoping it works out!!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 10/10/253 -
Fingers crossed it works out!savingholmes said:Thanks Jwil... I'm going to be setting my book to free from roughly 8am uk 12-14/2. I think that means it should finish at 8am on the 15/2 but not totally sure. May see if I can do it as a sponsored product at the same time to maximise take up. I read one guy who said he could tell his income in 3 months time by how many books he gave away free now... Hoping it works out!!"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 -
Thanks jwil. I sold some more books to people at work which is encouraging.
In other news £co paid me £1.80 and DH £30 this month. It all helps. I am using to reduce £ drawn from EFAchieve 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 10/10/254 -
Worked a short day today. Took DS so he could put £ in the bank, pick up meds and go to butchers. One way of getting him to spend some of his £ on meat. It will take up to 6 weeks to cash an Oz check from the government. Unbelievable!! When it clears he should get around £300. They charged him tax on his national insurance type refund - so now he needs to try and get that tax back as well as his original accrued tax payments... I fuelled up while I was out so that was £50 gone.
I've just had a product recall from Am**** on 3 extension cables I bought - serious risk of fire!! Scary stuff. So need to trace them all - I used one and DH used one but not sure where third one is. Should then get close to £60 back. It didn't charge well / quickly so only got one thing plugged in on mine... (still). Need to find alternatives to replace it with! Am**** sent me something in the wrong size yesterday and I had to return it (their error).
Just put heating on. Definitely frozen now - even with hoodie and blanket on - so time LOL!!!
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 10/10/255 -
In this day and age it shouldn't take 6 weeks.
At least the recall has happened before anything else has, hope you find the others soon and the refund is dealt with quickly.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Scary about the extension leads. I hope you find them and get a refund soon."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 McGee3
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In other news I gave myself a haircut last night. Came out well enoughAchieve 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 10/10/255 -
A positive step and feel good factor, SH. Always underrated, but the impact is huge.Mortgage started 2020, aiming to clear 31/12/2029.4
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The only thing I miss about lockdown is my HAIRDRESSER!!! I can colour my own, always supposing I can find the colour (not easy), but cut it? Can deal with the back & sides somehow, but the top!!! At least I don't have to appear in public very much.savingholmes said:In other news I gave myself a haircut last night. Came out well enough
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