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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: 22,051 Forumite
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    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.
    Thank you.  Sorry about the people you know as well.  I've been lucky with not knowing people who've had it, but the cases are starting to trickle in now, and it's worrying.
    "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
    I've known people off and on throughout with the virus - but currently I know 4 people actively ill with it - one in her 70s in hospital... 
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    edited 17 January 2021 at 3:00PM
    I hope you manage to get away for you weekend breaks. April may be a bit risky but you never know and September should be fine I would have thought. 

    My niece, my nephew's wife and a teacher at school have had the virus, but I don't know anyone else who has had it luckily.

    Enjoy your weekend of not home schooling 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 MONTHS
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've known people off and on throughout with the virus - but currently I know 4 people actively ill with it - one in her 70s in hospital... 
    Hope your friends recover.  

    I hope you manage to get away for you weekend breaks. April may be a bit risky but you never know and September should be fine I would have thought. 

    My niece, my nephew's wife and a teacher at school have had the virus, but I don't know anyone else who has had it luckily.

    Enjoy your weekend of not home schooling Jwil :).
    Thank you :)
    "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
    Today has been reaonsable - but worked a shorter day. Having technical issues on a virtual parent's evening... fun - not. Well done on your decluttering.
    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
    Today has been reaonsable - but worked a shorter day. Having technical issues on a virtual parent's evening... fun - not. Well done on your decluttering.
    Thank you.  Shorter days are always good, but it's a shame about the technical issues.
    "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
    I've got the day off tomorrow, hurrah!  I like these days off in the middle of the week.  I could really get used to it.

    Monday and Tuesday have been hard work, but I've managed to achieve some bits at work, and we are up to date with the school work which means we don't have to spend tomorrow catching up.  

    No real plans for tomorrow obviously, but another pottering kind of day.   It's meant to be stormy which is a shame, but equally I like sitting in my favourite seat listening to the wind and rain.

    I've continued doing my PADs every day, I'm very pleased about that.  Also, barring any unexpected large expenditure (I do have to take the cat to the vet for her jabs) I might be able to put some extra aside for savings this month.  That's very exciting for me, particularly as I've paid for the two (potential) weekend trips as well this month.
    "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
    Hope you pamper yourself tomorrow and don't just spend it sorting the kids. Well done on the PADs and general progress. 
    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
    Hope you pamper yourself tomorrow and don't just spend it sorting the kids. Well done on the PADs and general progress. 
    Thank you :)  I did actually treat myself to a soak in the bath which I don't very often do, I normally just use the shower, so a little bit of actual pampering went on!
    "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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