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

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  • Sending hugs, take care of yourself xx
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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 forever  :D I'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.
    I thought I'd lost you.  I'm having problems with the new format on my phone.  Glad to know you are still around.  Sorry to hear you've been struggling.  Sending virtual hugs xx
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • beanielou
    beanielou Posts: 95,387 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Keep plodding  :)
    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.
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    I'm finding the layout something to get used to too. 
    Glad the water aerobics went well. Really good for you to have that time for yourself too. 
    I think given the weather just put stuff outside today and let Storm Ciara take it all. I've been resisting the urge with all of eldests cuddly toys. 
    Keep going. I hope you're going to get some spare money this month to put in your pots xxx 
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi JWIL sorry you've been feeling down. The time of year probably isn't helping - or this weather. Do you have any hobbies you could resurrect to have fun? Are you still doing the aqua aerobics? Is there anyone that you could swap babysitting with so you could perhaps have at least 1 date night together each month without having to pay someone on top?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    so sorry you are struggling. Sending you lots of love and all the strength in the world to get through it quickly. I love your diary and can identify totally with you and your situation 😘xx
    Aww thank you xxx
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sending hugs, take care of yourself xx
    Thank you lovely xxx
    I thought I'd lost you.  I'm having problems with the new format on my phone.  Glad to know you are still around.  Sorry to hear you've been struggling.  Sending virtual hugs xx
    I think I've lost myself lol.  It's hard navigating on here, though I don't dislike the look.  I just don't have the energy! xxx

    beanielou said:
    Keep plodding  :)
    Thank you lovely xxx
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kitten868 said:
    I'm finding the layout something to get used to too. 
    Glad the water aerobics went well. Really good for you to have that time for yourself too. 
    I think given the weather just put stuff outside today and let Storm Ciara take it all. I've been resisting the urge with all of eldests cuddly toys. 
    Keep going. I hope you're going to get some spare money this month to put in your pots xxx 
    Haha, I love that idea.  I didn't see that in time for Ciara, but I might do it for Dennis :D  Cuddly toys are my nemesis too!

    Hi JWIL sorry you've been feeling down. The time of year probably isn't helping - or this weather. Do you have any hobbies you could resurrect to have fun? Are you still doing the aqua aerobics? Is there anyone that you could swap babysitting with so you could perhaps have at least 1 date night together each month without having to pay someone on top?
    Thank you :)  No the time of year probably isn't helping.  Looking forward to spring.  I'm still doing aqua aerobics, and enjoying it.  About to head out now.   I have lots of hobbies, but just struggling with finding the time for anything other than work and dealing with stuff at home.  I don't know anyone I could swap babysitting with, my friend lives 90 mins away and I don't want other people in the house.  It's a good idea though and one for when the house is a bit clearer.  Thank you!
    "If you can dream it, you can do it". Walt Disney
  • Just caught up and sorry to hear you are feeling down. You will be up again and in the meantime be kind to yourself. Sending a hug.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi JWIL glad you are doing the aqua aerobics still. I find my MH suffers more if I don't make time for fun / play.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
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