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2020 - 'Nothing in your life will change until you make the decision to change'
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Just catching up a little. Glad you had a lovely Christmas and got some sales! Well done. Being back in T3 is a nightmare, especially for the small restaurants and so on who worked so hard to re-open at speed. I hope you and OH can enjoy your break together without too much stress. Rain here overnight but here’s to some clearer weather soon x5
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Definitely! I love books!doingitanyway said:Books make the best presents
Your kids are great so a bit of spoiling won't harm them
They've handled this year well, so I think they deserve it!
Thank yousavingholmes said:Glad you had a good time. Enjoy the rest of your break. "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 -
Lovely to 'see' you again. Yes, Tier 3 is such a shame for all those businesses affected. Here's hoping the Oxford vaccine is approved soon and we can start ramping up vaccinations and get back to a bit of normality. Fingers crossed for a bit brighter weather soon. It seems like decades ago, but I remember last year we were posting about the neverending storms. Hope it's not the same this year!brizzlegirl said:Just catching up a little. Glad you had a lovely Christmas and got some sales! Well done. Being back in T3 is a nightmare, especially for the small restaurants and so on who worked so hard to re-open at speed. I hope you and OH can enjoy your break together without too much stress. Rain here overnight but here’s to some clearer weather soon x"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 -
We've had a nice quiet few days. Just chilling. I think today will be more of the same and then tomorrow will start tidying up a bit and getting on with things again. Just a few days left of this year now. I'll have to have a last burst of decluttering!
Today I will pack the items we sold over Christmas. That will be a box of stuff gone.
I've been doing my PADs each day "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 -
Glad you're relaxing and having a good family time. And great that a box of stuff has sold. I'm really impressed with your PADs they really make all the difference.
I'm so happy you all got spoilt and had a lovely Christmas. XxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138006 -
Thank you, the PADs are only small but they soon add up!Kitten868 said:Glad you're relaxing and having a good family time. And great that a box of stuff has sold. I'm really impressed with your PADs they really make all the difference.
I'm so happy you all got spoilt and had a lovely Christmas. Xxx
Hope you all had a lovely Christmas too "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 -
12 parcels packed and posted. 1 left to pay. I've managed to use nearly all of the boxes and packaging that we had gathered from Christmas deliveries, so that's reclaimed some space too (and saved money!). We do reuse as many boxes as we can, but I still have to buy packaging materials throughout the 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 McGee6
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Glad you're having a good time. Well done as ever on the selling stuff.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 -
I'm glad you enjoyed Christmas day, I agree that books make great presents 🎅. I think your kids deserve to be spoiled too ☺.
Well done on sending twelve parcels, that's amazing 😇.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 -
Well done on the parcels. Yes it is potentially storms and bad weather. Hopefully it wont be too bad. Weve had hail stone and wind so far. Hope your weather is nicer.Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...6
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