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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Hurrah,.so pleased to read thisjwil said:
Thank yousavingholmes said:Hope you pamper yourself tomorrow and don't just spend it sorting the kids. Well done on the PADs and general progress.
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!
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 -
I've had a quiet day today. I spent this morning doing the school work with the kids, including PE with Joe (I did a bit, but not the full workout as it was getting a bit crazy with jumping kids and arms flying everywhere
)
This afternoon I had a good chat with my family on the phone which was nice, and finished a book. Annoyingly I had a work call but that was easily resolved.
DH called the vet and they are not doing routine appointments at the moment, so the cat and dogs jabs will be delayed until the end of lockdown. So that spend won't be happening for now. I do need to speak to the dentist to see if they are doing checkups for me and the kids as it's a year since we last went.
My anxiety is rising a bit again, but hopefully it's just because I'm tired. One thing I really struggle with is the constant noise. Chatting, singing, games, tv, radio. I miss just being alone for a bit. DH does take the kids out for a walk each day, but obviously when I'm working I don't benefit from that. I love hearing them all normally, but I really need time alone to recharge periodically. I shall have to try and sort that this weekend.
I've been watching staged which was recommended by someone on here. I've really enjoyed it and have added the dvd to my wish list, in the hope that someone buys it for me for my birthday. If not, I think I will treat myself, as a kind of souvenir of lockdown. Hopefully one day this will all be a dim and distant memory, and it will be a good reminder of how strange the world was for a while!"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 -
I bought myself some noise cancelling headphones early in lockdown - they were around £50 but have helped a lot...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 -
Ooh, that's an interesting idea, I might consider it, thank you!savingholmes said:I bought myself some noise cancelling headphones early in lockdown - they were around £50 but have helped a lot..."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 -
Today has been very hectic, but I've achieved a lot so that helps. I do like having that day off in the middle of the week. Next week is a short 2 day week so that will be nice.
PADs done. But not much else really."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 -
Glad the time off is helpingAchieve 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 -
Thank yousavingholmes said:Glad the time off is helping "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 -
I cashed out £3 from a survey site today and so added that to my PAD for the mortgage.
I'm exhausted today and have just been browsing kindle deals on amazon which is fatal as now I have just purchased some books I don't need right now! They were only 99p each, but those 99ps soon add up.
I've also purchased a new toilet seat, as the one we bought a while ago is just starting to look awful now. Fingers crossed this one lasts a bit longer!"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 -
Nothing to beat a good book
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 -
You are of course absolutely right, but I already have 1700 unread on my kindle, I'm not short of things to readbeanielou said:Nothing to beat a good book "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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