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2020 - 'Nothing in your life will change until you make the decision to change'
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Ouch to the vet bill xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.055
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Yes I’m sure we’ll get back into the routine fairly quickly. I am very grateful that he still has a jobsavingholmes said:Ouch to bills. Glad you have EF though. It will take a while for things to settle down - but still great news about DH."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 -
Another productive day today, I’m quite pleased! DH called a window company today to see about the broken garage window and the kids’ bedroom window. The company we used before were fully booked but they recommended another local company who we are familiar with. Called them and they came out within a couple of hours to measure up so they could give us a quote. That meant a mad panic to tidy up the kids room 😆. It’s something I’ve been planning on doing all week so it’s done now and looks much better as I’ve moved a couple of bits around.
Fingers crossed they get back to us with a reasonable quote and are able to do it. It would be nice to tick a job off the list! We’ve got the ‘free’ water and council tax money from the last two months which we can use towards it.
Annoyingly our hoover sounds like it’s on the way out. It sounds rough as anything and isn’t picking up very well. I’m going to give the filters a good clean and then google it to see if there are any suggestions."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 -
Hope you get a good quote.
As you say be good to able to tick something off the list
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
Thank you. Fingers crossed 🤞beanielou said:Hope you get a good quote.
As you say be good to able to tick something off the list"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 -
Will be great to resolve the window.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 16/1/263 -
It would, the frame is rotten and the window mists up inside.savingholmes said:Will be great to resolve the window."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 -
Good progress on the window issue. Getting jobs fixed is great for helping us feel in control.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) 25/07/20254 -
Yes definitely. Hopefully they'll come back soon with the quote.doingitanyway said:Good progress on the window issue. Getting jobs fixed is great for helping us feel in control."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
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