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2020 - 'Nothing in your life will change until you make the decision to change'
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jwil said:Hope everyone is well. I'm feeling rough today but not sure if it's the vaccine or just the normallness of feeling rubbish at the moment. I did make an effort and go out for a walk this morning, so that's something!
Back to work and homeschool today. I am so relieved they are going back on 8th. I know others may feel differently, but mine are suffering so much being out of school and I'm hoping my stress levels will reduce then as well. Hopefully home can get back to being a place of rest and fun rather than battles about school work, or trying to get them to leave me alone so I can work.
Another 5 items sold over the weekend, so they have been prepped and posted. My £50 from YouGov arrived today as well, so I will pop that in savings. I've done a fair few PA surveys today as well which has been good.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.5 -
Well done on the sales and surveys. Nearly done with home schooling!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 -
beanielou said:jwil said:Hope everyone is well. I'm feeling rough today but not sure if it's the vaccine or just the normallness of feeling rubbish at the moment. I did make an effort and go out for a walk this morning, so that's something!
Back to work and homeschool today. I am so relieved they are going back on 8th. I know others may feel differently, but mine are suffering so much being out of school and I'm hoping my stress levels will reduce then as well. Hopefully home can get back to being a place of rest and fun rather than battles about school work, or trying to get them to leave me alone so I can work.
Another 5 items sold over the weekend, so they have been prepped and posted. My £50 from YouGov arrived today as well, so I will pop that in savings. I've done a fair few PA surveys today as well which has been good.savingholmes said:Well done on the sales and surveys. Nearly done with home schooling!"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 -
I managed to get out for a walk this morning as well. I remember how much I like being out at sunrise. Obviously it helps if it's nice! I'm going to try and keep it up at least a couple of times a week. It will be harder when DH goes back to work as he's out early, so I should take advantage while I can."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 McGee5
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Sunrise.... Walks? Well done. Sounds beautifulAchieve 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:Sunrise.... Walks? Well done. Sounds beautiful"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 McGee5
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I got to sleep after 4am last night - not through choice.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 29/7/256 -
savingholmes said:I got to sleep after 4am last night - not through choice."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 McGee5
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Hope everyone is well
I am now the proud parent of an 8 year old! It doesn't seem like yesterday since I was in a panic when I found out I was expecting little jwil! (He was a surprise). Lockdown birthdays aren't great, but we made it to the park for a bit. Takeaway and cake is also in the running. We did make some cakes earlier too, so a nice healthy day
I've heard back from two of my creditors today - one completely ignored the offer and just sent a balance and details of how to pay. I shall ignore that and carry on as normal. The other has asked for more information. I'm going to wait and hear back from the other two before I decide what to do about that. I was kind of hoping that someone would counter offer, but if it doesn't happen it doesn't. It will be more in the house repair fund.
It's been a lovely sunny day today which has been lovely. It does brighten the spirits. However, it also highlights just how generally grubby the house is. I'd really like to do some decorating, but there's still too much stuff in the way (and there's not a lot of point until the electrics are done at least. DH has seriously slowed down on the decluttering since the kids broke up for Christmas. I was patient for a while, but once they are back to school there will be another row brewing if he doesn't pick it up before he goes back to work. He's been working his way through magazines he's been hoarding which is good, but they are in the garage so it's not having any impact on the house unless he moves some stuff from the house to the garage!
We seriously need to do a tip run too. We have been storing stuff as we are trying to stick to the essential travel only guidelines. However, our shed is full of plastic and we can't get to the garden stuff, so I think it's now become essential. They have been very busy so we'll try and avoid the weekends. The queue at one locally was so big that the police turned up and started checking to see whether people were there with good reason. I think they did turn some people away. I think it's the people who turn up with a couple of small items rather than those with a bootful.
"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 -
Happy birthday to little jwil.We haven’t had sunshine today but no rain so that’s a bonus.Hopefully hubby gets his decluttering mood back. Enjoy takeaway and cake5
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