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2020 - 'Nothing in your life will change until you make the decision to change'
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I think a lot of us are feeling trapped and stir crazy at the moment. Hopefully things will lift soon.
Well done on keeping up with the PADs and surveys. It all helps.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 -
ladyholly said:I'm in group5 for vaccine and had mine last week via GP. Letter to book arrived this morning so at least in this area they are doing well. Hope yours won't be too long.
Glad you've had yours. I've had a text today, so am all booked in
HairyHandofDartmoor said:Well done on the selling on ebay Jwil. I hope you enjoy the break from home schooling. I'm enjoying a break from school schooling 🤣.
I thought I was in group six because of my asthma but they've just announced today that asthma doesn't count unless you've been hospitalised 😥, so I'll be group 8 now based on my advanced age instead.
I hope you get the patio clean as it will look lovely when you can sit out in the spring/summer. It's strange but I feel like spring will never ever come this year, I feel trapped in eternal winter 🤔 . I must be going nuts 🤔 .That's a shame about the asthma, but hopefully they will carry on rattling through them and you won't have to wait too long.
It does seem like a long winter this year, it's so nice that it's a bit milder this week."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 -
savingholmes said:I think a lot of us are feeling trapped and stir crazy at the moment. Hopefully things will lift soon.
Well done on keeping up with the PADs and surveys. It all helps."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 -
Glad you are booked in for the vaccine - that's great news.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 -
savingholmes said:Glad you are booked in for the vaccine - that's great news."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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Well I have been well and truly spoilt for my birthday and I have had £190 in cash so that is to put towards the ipad. I won't have had to spend a lot at all. I've also had some amazon vouchers so will save those until I want something.
We've been out for a walk in the local park this morning, and the kids were a bit disappointed that I wouldn't let them play in the play park, but it was packed and there was no social distancing, and groups of people chatting. We had a wander around, fed the ducks, and wandered into town so I could pay in the birthday money.
I finally managed to have a go at the patio again yesterday, and it's looking a bit better again. It chucked it down again in the afternoon, so it won't really be possible to see until it's dried out properly."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 -
Excellent news on your vaccine appointment. We have an ex friend who is a covid denier that tried to give us a load of rubbish which he had down loaded from the internet a while ago. DH threw him out of the house. We found out yesterday that he had tried a similar thing with another friend and he put the phone down on him. I hope he gets the message.. It was particularly hard on dh as he has lost 4 friends to covid as well as 2 of our neighbours being very ill with it.
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Happy Birthday, Jwil. Glad you got to treat yourself to the ipad.SPC 0764
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Happy birthday! Glad to hear you were spoilt!5
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Happy birthday Jwil 🎂🍰🎉 . How lovely to get all that money to spend on a new tablet 🙂.
People not social distancing makes me so 😡😡😡.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 MONTHS4
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