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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Other than writing and posting my letters, I haven't really done much today. I could get used to this.
fabulous news though - DH has also been offered the vaccine, so we are both being done on Saturday. We weren't expecting that, but not complaining!
I'm just doing a few listings now."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 -
My only concern is them confirming in writing that its all over. I have no concerns about you having paid enough. I think that ship has long since sailed.
I'm glad you've started to get the work mapped out. I think starting with the fuse box and working outwards as the money allows is a good plan actually. Kids having plugs and a new window sounds like a great first step. Just don't forget your needs are important for next steps xxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138004 -
That's great news about your DH getting offered the vaccine as well as you 🙂. I'm over the moon as my DH has just been offered a vaccine after I made him ring the doctor and point out how many risk factors he had 😁.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 MONTHS3 -
Great news on the vaccine Jwill and Hairy Hands
Good luck with the f and f offers JwilAchieve 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 -
Lovely to hear all your positive news jwill 😁 it was my birthday recently and I asked for money so I could buy an iPad too. I just need to takeover the plunge and do it! The money is sat there but feel so guilty spending it!!
I settled 2 of my debts about 18 months ago - one was at 22% & the other was 24% so lower offers are accepted xx6 -
Yes I won’t pay unless I have confirmation in writing. I’ve used the standard letter template which covers it. It’s finding the electrician that’s the hard part. We will likely use the window company we used before so no issues there, but I hate trying to find decent tradespeople. I keep putting it off 🙄Kitten868 said:My only concern is them confirming in writing that its all over. I have no concerns about you having paid enough. I think that ship has long since sailed.
I'm glad you've started to get the work mapped out. I think starting with the fuse box and working outwards as the money allows is a good plan actually. Kids having plugs and a new window sounds like a great first step. Just don't forget your needs are important for next steps xxx
Oh that’s great news that DH has been offered now , hopefully you’ll get yours soon too xHairyHandofDartmoor said:That's great news about your DH getting offered the vaccine as well as you 🙂. I'm over the moon as my DH has just been offered a vaccine after I made him ring the doctor and point out how many risk factors he had 😁.
Thank you 😊savingholmes said:Great news on the vaccine Jwill and Hairy Hands
Good luck with the f and f offers Jwil
I was the same - it’s hard to spend it! I love the iPad though so it’s worth it. Definitely look at the suggestions people made on here though - it saved me over £50 overall on a brand new iPad and case.BalanceBy50 said:Lovely to hear all your positive news jwill 😁 it was my birthday recently and I asked for money so I could buy an iPad too. I just need to takeover the plunge and do it! The money is sat there but feel so guilty spending it!!
I settled 2 of my debts about 18 months ago - one was at 22% & the other was 24% so lower offers are accepted xx
Those are great settlement amounts, I’d be happy if any came back with something like that."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 -
Today I have cashed out £50 on YouGov! I am also waiting for £25 from one poll so once they arrive I will pop them in my savings account in case I do get any offers. I’ve continued making my pads this month so the mortgage has still been trickling down.
I have decided that as today is wet and miserable I am having a sofa day. The kids have commandeered the TV out the back so I shall chill and read or catch up on stuff I’ve recorded.
Have a good day everyone 😊"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 -
Good news on the survey cash outs 💷. I'm having a bit of a sofa day too. We deserve it 😀.
I hate ringing tradespeople but it's lovely to have home improvements. All builders seem super busy at the moment, but I'm not sure about electricians. You'll feel so pleased once you've had the work done 🙂.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 MONTHS3 -
Great progress all round. Glad you have had some time off even if weather not kind. Windy here.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 -
I wondered why I hadn’t read your diary in a while jwil, glad I’ve found it again xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.054
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