📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1112113115117118235

Comments

  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    It's Friday &  the no home schooling at the weekend :grin:
    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.
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you can have a catch up day.
    Thank you :)
    beanielou said:
    Keep plodding  ;)
    Thank you :)

    I am amazed at how you are holding everything together. I have no words of wisdom as I do not have children to manage/educate, but I just want to send you a hug and say how well you are doing.
    That's lovely, thank you very much :)
    "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
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    It's Friday &  the no home schooling at the weekend :grin:
    Hurrah!  Happy days indeed :D:D:D 
    "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
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hey @jwil
    I’m so sorry it’s been so long since I was last on. I’ve just caught up a little but am going to read through all of the things I’ve missed. 
    Well done on getting through the week. You’ve done awesome job. Your pottering weekend sounds like it’s just what you need. You’ve made me think about listing stuff when I get home. Need to do that. Also I forgot Iceland did home delivery. So will see if I can maybe get a delivery with them as struggling to get slots at the moment. Take care and I’ll make sure I pop in far more often x
    Thanks Missymoo :)  Hope you have a good weekend.    I use Iceland periodically for certain bulk items and then as a back up for if I can't get a slot elsewhere.  I find it really handy.  They've definitely benefited from me for the last 12 months or so!
    "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: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are taking it easy. Hope you do manage to make it outside... It's a weird life we're all living at the moment. Unbelievable if someone had told us this a year ago.
    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: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've just booked us two weekends away using the S*n holiday codes.  One in April and one in September.  Who knows what Covid will look like then but at £40 for the weekend, it's a risk worth taking.  I think September will hopefully be ok, April's probably a bit dodgier, but we'll see how things look.  It's something to look forward to if we are able to go and if we can't it's not a huge amount of money :)

    A friend has just received a positive diagnosis.  She's a nurse :(  She only had her jab the other day.  Just too late to prevent her getting it sadly.

    I've done a bit of sorting out this morning and have put a wheeled bag and two other bags to go. The wheeled bag I've only used once, but it is poorly designed and doesn't hold any more than a normal backpack, so it's a waste of time and quite bulky.  It will be nice to see the back of it.
    "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: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about your friend. It's a worrying time. I found another couple I know has the virus yesterday. 
    Well done on the continued declutter. Hope you manage to get some breaks away this year.
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.