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

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Comments

  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Yah for cakeΒ  :)
    Definitely 😊

    Kitten868 said:
    Happy Birthday jwil! I'm glad you've had a lovely day and very glad that you now get to enjoy the ipad guilt free as a lovely gift.Β 
    I'm so happy for you retiredandskint!! Thats totally fantastic news - I think you should get a cake too!Β 
    Lots of love to all of you and hoping you all get your jabs ASAP xxxx
    Thank you 😊

    retired - I agree, you definitely need cake 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 McGee
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It sounds like you had a lovely birthday Jwil, I'm so glad πŸ˜€. Wonderful news from RetiredandSkint too πŸ‘ .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = Β£58,766 😱 DEBT FREE 31 OCTOBER 2017 :T πŸŽ‰
    EMERGENCY FUND 1 = Β£50/Β£5,000. EMERGENCY FUND 2 = Β£10/Β£5,000.
    CHRISTMAS SAVINGS = Β£0/Β£500. SEF = Β£1,400/Β£12,000 PREMIUM BONDS ME = Β£350. PREMIUM BONDS DH = Β£300.
    HOLIDAY MONEY = Β£0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Birthday. Glad you can enjoy your iPad guilt free
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 Β£202K now Β£174.8K Equity 32.77%
    2) Β£1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC Β£25.3K + Lump Sums DB Β£4.6K + (25% of SIPP 1.2K) = 31.1/Β£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target Β£16.5/30K 55.1%
    5) SIPP Β£4.8K updated 29/7/25
  • Sarahwithlove
    Sarahwithlove Posts: 3,382 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Happy birthday I'm glad you have managed to enjoy the ipad now without the guilt. When people ask what you spent the money on you will have something tangible as well to show for it. It's very handy being able to read the forums on an ipad isn't it? I've even got a mini keyboard for mine now 🀣
    *Dad loan - Β£5300 - Β£7200
    *Virgin Credit Card - Β£3552.50 - Β£0
    *Natwest - Β£1828.35 -Β£0.00

    Barclaycard - Β£2315.25 - Β£0.00

    Creation Finance - Β£960.32 Β£840
    *Total debt - Β£8040/Β£11641.17*


    Savings
    *Savings Buffer - Β£100/Β£1500
    *Emergency Fund - Β£1500/Β£1500

    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HairyHandofDartmoor said:
    It sounds like you had a lovely birthday Jwil, I'm so glad πŸ˜€. Wonderful news from RetiredandSkint too πŸ‘ .
    Thank you, I didΒ  :)

    dawnybabes said:
    Happy birthday JWL

    brilliant news retiredandskint xxΒ 
    Thank you :)
    retiredandskint said:
    jwil said:
    retiredandskint said:
    Happy Birthday jwil.
    Not to take anything away from your birthday but I'M IN REMISSION πŸ˜ƒπŸ˜ƒ, confirmed by the consultant this afternoon.
    Hey, who cares about a birthday, that is absolutely fantastic news ❀️πŸ₯³πŸ‘ I am so pleased for you, congratulations!!
    Thanks jwil and your fellow followers.Β  I've been shouting it from the rooftops πŸ˜‚πŸ˜‚
    And so you should, it's fantastic :)Β 

    Parkyp said:
    retiredandskint said:
    Happy Birthday jwil.
    Not to take anything away from your birthday but I'M IN REMISSION πŸ˜ƒπŸ˜ƒ, confirmed by the consultant this afternoon.
    Happy birthday, nice to hear you have been spoilt. @retiredandskint good to Hear positive News. πŸŽ‰πŸŽ‰
    Thank you :)

    savingholmes said:
    Happy Birthday. Glad you can enjoy your iPad guilt free
    Thank you :)

    Sarahwithlove said:
    Happy birthday I'm glad you have managed to enjoy the ipad now without the guilt. When people ask what you spent the money on you will have something tangible as well to show for it. It's very handy being able to read the forums on an ipad isn't it? I've even got a mini keyboard for mine now 🀣
    Yes, it's nice to be able to say I've used the money for something.Β  Usually any birthday money gets sucked up into general household expenses, so it's nice to have a treat.Β  It's really good being able to use the forums on there too, I couldn't see them on my phone, it's just too small.Β  I don't have to be glued to the laptop any more :)
    "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
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