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2020 - 'Nothing in your life will change until you make the decision to change'

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Comments

  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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. 
    Thank you :)  Glad you've had yours.  I've had a text today, so am all booked in :)

    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 🤔 .
    You deserve your break more than me I think! :D  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 McGee
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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. 
    Yes, I think lots are struggling now.  Fingers crossed there is light at the end of the tunnel.
    "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 McGee
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are booked in for the vaccine - that's great news. 
    Thank you, it was a nice and very welcome surprise!
    "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 McGee
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
  • Robin09
    Robin09 Posts: 596 Forumite
    Sixth Anniversary 500 Posts Name Dropper Photogenic
    Happy Birthday, Jwil. Glad you got to treat yourself to the ipad. 
    SPC 076
  • 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 MONTHS
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