We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2020++ - smiling and waving and looking so fine
Comments
-
Great finances, even better weight loss. Well done
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Hi Mark - well done on your continued weight loss. My DH has appreciated me joining in a diet rather than leaving him to it too.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 10/10/254 -
thank you SH and DIA - yes it does help doing it together. Those not affected by the virus seem to be getting healthier - more exercise, better eating and losing weight. Interesting to see if that will last when the restrictions are liftedI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
I think all the 'blimp' type lockdown memes scared people into action. Plus its one of the few areas of life left for us to control.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 -
Just a quick check in - down to 235 lbs now or -2 this week. OH has done very well after a flat start in the first week she is now down 5lbs - we suspect the scales are not that reliable.
Just ending the month £200 overdrawn - I forgot (very non MSE) my tax disc so that was £200 (snap!) I hadn't planned. Pay day on Monday so I can live with that. The bonus being because of Covid my bank is O/D Interest free up to £500 it didn't actually cost me any stupid tax this month
Hope you all have a great weekendI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine6 -
congrats to both of you on the weightloss. 5lb in first week often happens. Did for me. Glad you aren't having to pay stupid tax.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 -
Reporting spends for the month 2020#005 - small OD troubles, partly cash flow, partly inattention. But was much happier month - especially given most OD charges will be absorbed by CoVid allowances. Anyway - here are the details
CAR - Slightly over budget - major service and annual tax discCASH - No cash (except for Gardener)CLOTHES - No New ClothesCOFFEE - One Coffee all month (emergency picking DD2 up from Uni)CRAFTS - In Budget just!
ENTERTAINMENT - Nice Gin & Spotify - what can I say (plus free 2 bottles sanitiser)GROCERY - Wow. 6 adults in the house 3 on lo carb has been expensive - kind of balances the budget with lack of entertainment. Are working more with local delivery suppliers which supports local but is more expensive
HOLIDAY - Nothing spent, got my April holiday delayed until JulyKIDS - Bit high on kids - DS1 nearly back on his feet needed to help cover some outgoings, but DD1 needed new laptop and was her birthday so went halves to get her something a bit better than averageLIFE - Just focusing on making do, although paying for garden work was a luxury it was worth itAMAZON - Using Amazon more but still not going wildI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine7 -
Totally agree on groceries. I'm trying to buy better quality protein, lots of fruit and veg and supporting local schemes too and it is definitely more expensive. Plus prices are higher and offers withdrawn in supermarkets. Ah well.
Have a good 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
too true DIA - but maybe when this is all over, we can still follow our plan but get a few special deals now and againI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine6 -
If C19 shows me nothing else it is that I need to be in the best shape I can be. C19 loves an obese body so I'm tackling this and will buying the best food to get this weight down. Health is wealth and all that.mark88man said:too true DIA - but maybe when this is all over, we can still follow our plan but get a few special deals now and again 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720254
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245K Work, Benefits & Business
- 600.6K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards