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2020 - 'Nothing in your life will change until you make the decision to change'

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Comments

  • jwil
    jwil Posts: 23,040 Forumite
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    beanielou said:
    You are doing the best that YOU can do at this moment in time.
    Your work has to take priority.
    Thank you :) 
    Parkyp said:
    Sorry to hear your having a hard time trying to juggle home school and work. I’m sure your not the only the one. The ones who aren’t struggling are probably on furlough so don’t need to put 8 hours work in a day as well. You’re doing the right think and forgetting about it til Monday, enjoy your weekend. Try get out walk get some fresh air good for clearing your head. Well done on your finances to. 
    Thank you :) 
    jwil said:
    Fab that you've been able to save some £. It sounds like you are trying too hard on the schooling. No-one can do everything so be kinder to yourself.
    Thank you.   Everyone else seems to manage ok, but then I guess the people who are struggling don't tend to post!
    Hiya. I was off work today so kids at home..in theory only schoolwork to concentrate on. It was hard and nigh on impossible with 3 kids and me not even having any work to do. I cannot for the life of me fathom how anyone can actually do more than 15-30 minutes homeschooling a day if they are working. Every credit to you. BBC bitesize and lessons sounds a good idea for next week..mix and match to stay sane !!
    Thank you :)
    "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 McGee
  • jwil
    jwil Posts: 23,040 Forumite
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    Thank you all for the support, I really appreciate it.

    I'm going to try and chill out a bit more.  And definitely going to ignore it all this weekend.  Try and lose some of the anxiety.

    DH has had a covid test this morning as part of the national testing programme.  Fingers crossed it's negative.  There's no reason to believe it won't be, but he is the only one still going out and about, so the most likely to have it.
    "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 McGee
  • jwil
    jwil Posts: 23,040 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've done my PADs, caught up with surveys and hoovered through.  Just catching up with various things that have been lying around waiting for me to deal with them. I'm listening to a bit of Simon and Garfunkel for a change!

    DH and I have decided we are going to use the money saved on childcare this month to book a weekend away later this year,  The S*n  holiday promotion is starting again this week and we've used that the last few years.  Hopefully we'll be able to get away.  I don't want to book anything bigger until we see how the world is going.  At least with these the most we would lose is around £60 worst case scenario.  We haven't had a 'proper' holiday longer than a weekend for years, except for visiting family.  It would be nice in the next couple of years to get a week away somewhere.  
    "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 McGee
  • savingholmes
    savingholmes Posts: 29,135 Forumite
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    A holiday to look forward sounds good. 
    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 16/1/26
  • jwil
    jwil Posts: 23,040 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    A break away sounds awesome as something to look forward too.
    Yes, it really will be :)
    "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 McGee
  • jwil
    jwil Posts: 23,040 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's a lovely bright day today, so I've spent some time in the garden tidying up, weeding and sweeping the patio.  It's the first I've left the house all week 😱  I'm just going to prep a nice roast for lunch and then chill out for the rest of the day with a book in the sun while it's here.  I must make the effort to go out each day, even if it's a little work out in the garden.

    I was trying to find an online seller that sells bedding plants - has anyone used one that they can recommend?  I really don't want us to go out at all if possible, and none of our local garden centres do deliveries.  I might just wait til things ease off a bit anyway, but it would be nice to get a bit of colour in the garden.

    I have ordered the latest Two chubby cubs book to be delivered tomorrow.  I would love to be back at my pre-lockdown weight as a minimum before I have to go back to the office.  I'm going to try and start following SW principles at home again.  The biggest thing for me will be planning and prepping to account for the times when I'm busy and stressed.  I need to focus my weekends on doing this so that in the week I can just grab stuff.

    Have a good day everyone :)
    "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 McGee
  • I bet being outside in the garden made you feel more positive Jwil. I always feel terrible if I haven't left the house for days. Enjoy relaxing with your book :).
    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 MONTHS
  • jwil
    jwil Posts: 23,040 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I bet being outside in the garden made you feel more positive Jwil. I always feel terrible if I haven't left the house for days. Enjoy relaxing with your book :).
    It did actually, it's surprising how a little thing like that makes a difference.  Have a good afternoon :)
    "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 McGee
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