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2020 - 'Nothing in your life will change until you make the decision to change'
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I was going to say nothing beats a comfy loo seat, especially if you want to escape the hubby and kids, for a quiet read ๐๐๐6
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jwil said:beanielou said:Nothing to beat a good bookย
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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.5 -
I'm just as guilty of the kindle books problem as well. Never seem to get round to reading them but always find new ones to add to it.ย*Dad loan - ยฃ5300 - ยฃ7200
*Virgin Credit Card - ยฃ3552.50 - ยฃ0
*Natwest - ยฃ1828.35 -ยฃ0.00
Barclaycard - ยฃ2315.25 - ยฃ0.00
Creation Finance - ยฃ960.32 ยฃ840
*Total debt - ยฃ8040/ยฃ11641.17*
Savings
*Savings Buffer - ยฃ100/ยฃ1500
*Emergency Fund - ยฃ1500/ยฃ1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/5 -
retiredandskint said:I was going to say nothing beats a comfy loo seat, especially if you want to escape the hubby and kids, for a quiet read ๐๐๐beanielou said:Sarahwithlove said:I'm just as guilty of the kindle books problem as well. Never seem to get round to reading them but always find new ones to add to it.ย"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
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I've had a shock today, I found out that my ex died of Covid yesterday ๐ขย It's knocked me for six.ย I feel like a bit of a fraud as I've had zero contact with him for not far off 20 years, but we were together for 7 years, and although it was totally the right thing to do to split up, we had some good times together and I have lots of fond memories.ย I was browsing a fb group that I don't normally go into very often, and spotted a post from a relative of his who's name I recognised.
I don't have any mutual friends who knew him so don't really have anyone to reminisce with.ย We had one close mutual friend but she died a couple of years ago.ย I feel like a whole part of my life has been wiped away now"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 am so sorry you have had such a shock. It must b very hard to deal with.ย6
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@jwil so sorry to hear the news, exes were a part of our lives, itโs natural for you to grieve and feel a loss. Hold on to those good memories xPay ALL your debt off by Xmas 2021 no 50 Target for this year ยฃ12,000ย
Pay all your debt off by Xmas 2022 target ยฃ15,000 pd ยฃ7969.95 / 15,000
SPC 2022/23 014
Pay all of your debt off by XMAS 2023
ย #no 28 target ยฃ11,200.004 -
ladyholly said:I am so sorry you have had such a shock. It must b very hard to deal with.ยwelshspendthrift said:@jwil so sorry to hear the news, exes were a part of our lives, itโs natural for you to grieve and feel a loss. Hold on to those good memories 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 McGee3
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Sorry to read your news.
You were together a long time & he was part of your life.
It is natural to feel sad.
It is just unfortunate that you have no one to chat to about it.
Take care of youย xx
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.5 -
Sorry to hear your news Jwil. I know from experience FB is not a great way of finding out someone we cared about has died. It's natural to grieve. 7 years is a very long time to have been together even if it was some time ago now. Hugs. I found with my friend's recent death, it was as much the shock - and the pent up grief of the whole situation - as much as about her as an individual. It puts a face to the huge statistics quoted to us every day and makes it so much harder.ยAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ174.8K Equity 32.77%
2) ยฃ1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC ยฃ25.3K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.2K) = 31.1/ยฃ127.5K target 24.4% 15/8/25
4) FI Age 60 income target ยฃ16.5/30K 55.1%
5) SIPP ยฃ4.8K updated 29/7/254
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