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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Thank you, you toobeanielou said:Enjoy your weekend

We might well go and look at them at some point. Thank youKitten868 said:I love ikea sofas and they are no way near as expensive as the dfs version plus you can custom them to fit and suit your space which I love. My mum thought it looked custom as it exactly fits my front room.
I'm glad it's not just me that's upset with the schools being shut.
Go get yourself some fresh air lovely lady xxxx
Yes, I think schools being shut bothers me more than anything else.
I've been out for a bit this morning
Yes, I love being at home, but it's hard when it's work and school as well. I think there's lots of good, and I know things will improve. Thank yousavingholmes said:I get what you mean about home not exactly being a tranquil, relaxing space during lockdown. We have DS home with us - and I'm glad for his safety but it was a big adjustment after him mostly being away at uni (including abroad one year). He originally planned to go down to London. I think we just have to - as you are doing - look for the good. The good is that we're spending less and can send more to debt. The good is that it is getting lighter - so we can all get back outside more again. The good is that it should get warmer soon and we'll be able to spend more time in the garden... The good is that we're building memories with our kids we might not have had if things had been different.
"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'm sorry you've been so anxious Jwil. I'm not surprised you're struggling as the pandemic situation is worrying and you're also coping with the children's learning, not being able to see friends and family, not being able to go to the beach, etc. I hope the book on anxiety helps. At least spring is a bit closer, the days are getting a bit longer and more people are being vaccinated so there are better days ahead of us.
Putting the £200 into a house improvement fund is a good idea
. 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 MONTHS6 -
Thank you, yes, there should be much better days ahead!HairyHandofDartmoor said:I'm sorry you've been so anxious Jwil. I'm not surprised you're struggling as the pandemic situation is worrying and you're also coping with the children's learning, not being able to see friends and family, not being able to go to the beach, etc. I hope the book on anxiety helps. At least spring is a bit closer, the days are getting a bit longer and more people are being vaccinated so there are better days ahead of us.
Putting the £200 into a house improvement fund is a good idea
."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 -
It certainly feels harder this time around but I agree with others it's about trying to focus on the good which is hard to do when your feeling low I know but it's all we can do to try and get through this in one piece.*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £780
*Total debt - £7780/£11641.17*
Savings
*Savings Buffer - £350/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/6 -
Thank youSarahwithlove said:It certainly feels harder this time around but I agree with others it's about trying to focus on the good which is hard to do when your feeling low I know but it's all we can do to try and get through this in one piece.
"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've done my monthly weigh in and have stayed the same. I'm calling that a win, as I've not eaten well this month! It would be nice to see a lb or 2 down next month.
I'm trying to get a load of listing done. We've got a few things selling but they don't go out until next week. I'm trying to reduce the number of times DH has to go out to post stuff.
I read an interesting article yesterday. It suggested that getting 5000 steps a day would help achieve many of the health benefits that would be gained with 10k. For a sedentary person like me, that's a much more achievable target than 10,000 steps per day and one I'm much more likely to stick to. https://theconversation.com/do-we-really-need-to-walk-10-000-steps-a-day-153765.
"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 -
Thanks Jwil - that's encouraging. I am at more like 3000 outside the house currently so as you say upping it a little rather than tripling it would be easier to aim for.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/253 -
Yes, that's what I thought - it's much less daunting.savingholmes said:Thanks Jwil - that's encouraging. I am at more like 3000 outside the house currently so as you say upping it a little rather than tripling it would be easier to aim for."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 hope everyone is well
All the funds have come out this month, and things are looking good to have a nice chunk to add to savings at the end of the month if I don't get too spendy
I did juggle one of our bills around and have made a saving of around £10 a month which is not to be sniffed at. It is little jwil's birthday this month and so we need to decide what we are getting him.
I've been really making the effort with my anxiety CBT, and today has been a better day. I've balanced things out better and achieved stuff at home, work and school! It helps that so far I've few meetings this week. I can actually get on with the work for once!
I've been doing my PADs, and have cashed out from a survey site so will send that over to the mortgage."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 -
Glad you've had a better day. Great that you have choices over what to do with the leftover money...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/254
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