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2020 - 'Nothing in your life will change until you make the decision to change'
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I want to end the year weighing less, having less (stuff), having more savings and having more physical strength, just like you! You had a good 2020 and will have an even better 2021If 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
savingholmes said:I too return to work Monday (from home) not looking forward to it. We're having blizzard like snow falling at the moment."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
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doingitanyway said:I want to end the year weighing less, having less (stuff), having more savings and having more physical strength, just like you! You had a good 2020 and will have an even better 2021
Hopefully we can all come to the end of the year having made some progress
"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 -
I've done all my measurements this morning. I'll do them once a month I think. It will help track any progress I make. I think if I up the exercise it will probably show on the measurements rather than the weight (it's worked that way for me before) so I hope to see some changes in my shape as the year progresses.
I'm going to have a look at a meal plan for this week. I've got a Tesco delivery tomorrow so it's time to start being organised!
I've done my PADs for the day. Our bedding is in the wash. The kids were fighting so banished to their room until they can learn to behave. They seem to have forgiven each other already and are up there playing together now.
Wondering whether schools will be back this week. We had a letter from school yesterday saying they were going to consider it today so we'll hear later. I'd really kind of like them to be closed for a couple more weeks to get over the Christmas/New Year peak of cases. I'm not looking forward to the home schooling again though if it does happen!"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 -
I think they ought to shut schools - but if they do parents struggle to work and it can affect everyone's MH. Glad it's not my decisionAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Going back to work after Christmas always feels a bit grim, I'm not looking forward to it either. Good luck with your weight goals, I think measurements can be a more accurate guide.
I've got mixed feelings about schools being open, I'm a bit scared to go back in case I catch the virus, but I'll lose my overtime which is most of my wages if they close. I don't know what's the best decision to be honest, but the scientists seem to think they should close.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 -
savingholmes said:I think they ought to shut schools - but if they do parents struggle to work and it can affect everyone's MH. Glad it's not my decisionHairyHandofDartmoor said:Going back to work after Christmas always feels a bit grim, I'm not looking forward to it either. Good luck with your weight goals, I think measurements can be a more accurate guide.
I've got mixed feelings about schools being open, I'm a bit scared to go back in case I catch the virus, but I'll lose my overtime which is most of my wages if they close. I don't know what's the best decision to be honest, but the scientists seem to think they should close."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 think the schools should be closed til mid January.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.5 -
My DD has online lessons but real exams next... I think the govt are illogical - why let people mix again immediately after xmas rather than having a 2 week immediate lockdown when the kids go back.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
beanielou said:I think the schools should be closed til mid January.savingholmes said:My DD has online lessons but real exams next... I think the govt are illogical - why let people mix again immediately after xmas rather than having a 2 week immediate lockdown when the kids go back."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
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