We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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'
Options
Comments
-
Decluttering update
1-31. Books
32. Pen
33. Hot Wheels carry case
34. Glass jar
35. Crisps
36-136. Large box of Xmas decorations
137. Sim card and case
138. Baby oil
139. Trousers
140. Shave gel
141-147. Bags
148-208. Clothing
209. Trainers
210-211. Coats
Decluttering 2020 totals:
Magazines/papers: 13
Ebay parcels: 60
Other: 211
Total: 284
Ebay listings: 43
Survey/other earnings:
Amazon: £11
Paypal/cash: £28.82
Other vouchers:£0"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 McGee1 -
February is going to be an expensive month.
I've got Little jwil's birthday, mine and another 2.
Optician, dental hygienist, the cat's vaccinations
Boiler service.
I could do with refilling the freezer after last month's open door disaster, though we've eaten our way through everything so little waste.
Oh well, at least it's a short month :eek:"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 McGee1 -
I'm in awe of the decluttering. You would have a field day at my house!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
savingholmes wrote: »I'm in awe of the decluttering. You would have a field day at my house!
Haha, thank you. It seems neverending at my house though! I know there's improvement, but the categories I've done seem to breed too!"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 McGee1 -
Tired today and achey. We've got a busy weekend, I've got the opticians tomorrow and also the cat has to go to the vet for boosters. Expensive weekend too!
I think this month is going to be really tight again, but I'm determined to try and put some money aside towards some of my targets. I might have to have a look and see if I can find anything to sell."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 McGee1 -
So impressed with your decluttering efforts, I need some of your motivation.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Hey JWIL, just found your new diary. Well done on the decluttering and I’m inspired by your eating well efforts. I’ll subscribe and keep up to date. Good luck with your goals.2
-
Sarahwithlove said:So impressed with your decluttering efforts, I need some of your motivation.missymoo81 said:Hey JWIL, just found your new diary. Well done on the decluttering and I’m inspired by your eating well efforts. I’ll subscribe and keep up to date. Good luck with your goals.
Good luck with yours
"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 haven't posted for ages. I've been struggling a bit.
Thought I'd better find myself again on the new layout otherwise I'll be lost foreverI've got to find everyone's diaries again too. I so miss the daily email digests, I hope they bring them back.
Will catch up properly soon."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 -
jwil said:I haven't posted for ages. I've been struggling a bit.
Thought I'd better find myself again on the new layout otherwise I'll be lost foreverI've got to find everyone's diaries again too. I so miss the daily email digests, I hope they bring them back.
Will catch up properly soon.3
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards