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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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DH's test came back negative thankfully! (Survey, not because he had symptoms).
My anxiety is through the roof again. I feel terrible. I have booked some time off though at the end of the month, which will hopefully help a bit.
I'm trying to eat a bit better, and anxiety always affects my appetite, so I don't eat so much. It might give me a little boost on my weight loss, though clearly not in a good way. Just desperately scrabbling for a silver lining!"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 -
Keep plodding jwil xxI 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 -
Hi Jwil
Just wanted to say hi 🙋♀️ and I’m struggling too juggling working and my team calls with the kids online lessons and assistance too. We spent part of our weekend catching up on work we had missed. Was going to do dry January but now opting for wet January. I have three children the eldest is at high school and coping ok but the youngest two are at primary and struggling to understand what they need to do, they need constant support. My house is beginning to look like a tip too.
Hang on in there. Sending virtual hugs 🤗6 -
I think we all need to be kind to ourselves. We are doing well in difficult timesAchieve 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 10/10/254 -
Hi SuperSavingD, thank you for your postSuperSavingD said:Hi Jwil
Just wanted to say hi 🙋♀️ and I’m struggling too juggling working and my team calls with the kids online lessons and assistance too. We spent part of our weekend catching up on work we had missed. Was going to do dry January but now opting for wet January. I have three children the eldest is at high school and coping ok but the youngest two are at primary and struggling to understand what they need to do, they need constant support. My house is beginning to look like a tip too.
Hang on in there. Sending virtual hugs 🤗
It's very hard isn't it. Well done on catching up over the weekend though, I can't face that at the moment, but will hopefully do so on my days off. Agree with the house looking like a tip though!
Hugs back to you too
Thank you SH - you are absolutely right. It's so difficult for everyone. Just getting through the day is an achievement!savingholmes said:I think we all need to be kind to ourselves. We are doing well in difficult times"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 -
Well today has been much better thankfully. I've managed to achieve something at work and also get most of the kids work done as well, hurrah! My anxiety has been a bit better as well thankfully too.
We had a small lottery win this week, and the prize arrived in our account today so I've sent that to the mortgage. I've cashed out on PA as well so will split that between savings and mortgage too. I've been doing my PADs each day as well."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 -
So glad that today has been better 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 -
Thank youbeanielou said:So glad that today has been better It makes a big difference! Hope your day has been ok 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 McGee4 -
I've just done three listings and sorted out the relists for this week as well. It's nice to have achieved something."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
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