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

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  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I too return to work Monday (from home) not looking forward to it. We're having blizzard like snow falling at the moment. 
    No I'm not looking forward to it either.  I'd kind of like to see some snow here!
    "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: 28,974 Forumite
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    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 decision
    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 29/7/25
  • 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 MONTHS
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 decision
    I think they should for the next two weeks - hopefully then cases will start falling again.  But yes, I'm glad I don't have to choose.

    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.
    I agree with the scientists!  School have just confirmed they will be open as normal.  I was a bit worried we'd end up with one in and one out due to staff shortages!
    "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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    I think the schools should be closed til mid January.
    I agree.  Hopefully we'll have some information tonight!

    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.
    They don't seem to have a plan other than hold on as long as possible and then act when things are getting out of hand.  The uncertainty is so hard for people both practically and emotionally.
    "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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