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2020 - 'Nothing in your life will change until you make the decision to change'
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Merry Christmas Jwil and Jwils family and to all the other lovely posters on your thread. I hope you have a lovely safe Christmas R&S especially!
🌲🍗🎁🥳 xxxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138006 -
Thank you kitten, and the same to you and yours too. Have a lovely Christmas 😀🎄🎁🎄🎁🎁Kitten868 said:Merry Christmas Jwil and Jwils family and to all the other lovely posters on your thread. I hope you have a lovely safe Christmas R&S especially!
🌲🍗🎁🥳 xxxx
"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 McGee4 -
I'm sorry you'e in tier 3 Jwil. I'm glad you can still get to a beach on new year's day. Are you seeing anyone on Christmas day or will it be just the four of you? Enjoy Christmas eve 🎅.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS5 -
It will just be the four of us. We normally have BIL but he's not coming this year. Have a lovely Christmas eve tooHairyHandofDartmoor said:I'm sorry you'e in tier 3 Jwil. I'm glad you can still get to a beach on new year's day. Are you seeing anyone on Christmas day or will it be just the four of you? Enjoy Christmas eve 🎅.
"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 McGee5 -
In case I don't get on again, I hope you all have a lovely Christmas, whatever you are doing, and here's hoping for a different one next year. 🎄🎄🎄🎁🎁🎁🎁🎄🎄🎄"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 McGee8
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Happy Christmas 🎅⛄🎁🎄
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS4 -
Thank you HHD - hope you had a good oneHairyHandofDartmoor said:Happy Christmas 🎅⛄🎁🎄 "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 McGee4 -
I hope everyone had a nice day yesterday We had a lovely one. I have a nice pile of books to work my way through
We had a nice flurry of sales on ebay yesterday so I've got a load of packing to do. At least it will get rid of some of the boxes that I've been saving from deliveries etc. A few long time things have sold which is always good.
The kids were thoroughly spoilt, and are very happy with their items, however, I am wondering where I will put it all! We'll have another chilled out day today and then will worry about it another time!"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 McGee7 -
Books make the best presents
Your kids are great so a bit of spoiling won't harm them 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) 25/07/20255 -
Glad you had a good time. Enjoy the rest of your break.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/264
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