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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Yes, I think it will make a huge difference. It's always a source of worry for me.savingholmes said:It's good to have a savings buffer. Removes a lot of pressure.
Yes, I think I'll aim to get to £1k and then see how I feel. The house savings are there, but I really don't want to dip into them until we've done all the work that's needed in case they are needed for a big emergency. But they are there. My LISA is technically unavailable until I am 55/57 but I could withdraw from it if I really needed to. It would be nice to have three months income put away too.HairyHandofDartmoor said:I think a £1000 savings buffer will give you peace of mind and any house savings could be used in an emergency. Peace of mind is worth it's weight in gold. I have an £1000 EF currently, but would like to save an additional £6000 so we have three months loss of income cover.
I hope your buyers pay soon. Happy new year's eve 🎉🎉🎉.
Happy new year's eve to you 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 McGee4 -
I've packed 10 parcels ready in case they pay up tonight. It's possible we'll get a few more as the auctions come to an end. It's nice to see it all going!
The kids have made their thank you cards this afternoon for those who sent them Christmas gifts, so they can now be posted over the next few days.
Now to do my declutter totals for 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 McGee3 -
Decluttering update.1108 - 1111. Socks
1112. Bag
1113. Jeans
1114. Handful of kids toys
1115-1118. Playing cards
1119-1120. Gift bags
1121. DVD box set
1122. Hot water bottle
1123. Pen
1124. Bag
1125. Bottle of hooch
1126. Bird food
1127-1128. Pens
1129-1130. Baubles
1131-1170. Clothing
1171-1172. Bags
1173. Pen.
Decluttering 2020 totals:Magazines/papers: 620Ebay parcels: 532Other: 1173Total: 2325
29,687 unwanted emails (!)Ebay listings: 613Survey/other earnings:Amazon: £179Paypal/cash: £353.35Other vouchers:£0"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 -
So, 2325 items gone! I can't complain about that
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£500 odd in survey earnings too - nice!
Let it all continue for 2021 "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 -
Thanks to everyone who's posted on here this year, I really appreciate all the support.
I wish everyone a Happy New Year 🥂🎆🎇🎉✨😃 Let's hope 2021 turns out to be a good one in the end "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 -
What amazing totals.
I salute you I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
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.4 -
Happy New Year Jwil 🎉🎉🎉
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 MONTHS3 -
Wishing you a positive happy & healthy new year xx
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
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.4 -
Happy New Year Jwil!!!! xxx4
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