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2020 - 'Nothing in your life will change until you make the decision to change'
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Thank youParkyp said: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 cake
Yes, dry is better than nothing. Hope you are having a good weekend "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 little jwil! Mines going to be 8 this year too. Seems insane. I can't have an 8 year old. Hope you've had a lovely day celebrating.
Could stuff for the garage be moved in front of the front door as a hint? Or even in the garden? You're doing so well xxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138005 -
Happy Birthday, little jwil 🎉SPC 0764
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Happy Birthday little Jwil. The years seem to have flown by - when you get to having a 17 and 23 year old - you wonder where they went.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 10/10/255 -
Thank youKitten868 said:Happy Birthday little jwil! Mines going to be 8 this year too. Seems insane. I can't have an 8 year old. Hope you've had a lovely day celebrating.
Could stuff for the garage be moved in front of the front door as a hint? Or even in the garden? You're doing so well xxx It's crazy isn't it! How time flies.
Haha if I stuck stuff in front of the front door, I'd never be able to leave again 😆🙄 It would just sit there. It will probably all blow up again soon and he'll get on with it. Hopefully he'll do it before it comes to that though.
Thank youRobin09 said:Happy Birthday, little jwil 🎉
Thank yousavingholmes said:Happy Birthday little Jwil. The years seem to have flown by - when you get to having a 17 and 23 year old - you wonder where they went. Yes I can imagine, and dread 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 McGee4 -
Decluttering update. DH has been focussing on decluttering hoarded magazines and papers. It's actually better than I thought!52. Clothing
53. DVD
54. Aerosol
55. Railway book
56-61. Video tapes
62-63. Notebooks
64. Envelopes
65. Paper bags
66.-67. Annuals
68-69. Ankle supports
70. Bucket
71. Spade
72-127. Books
128. Trainers
Decluttering 2021 totals:Magazines/papers: 378Ebay parcels: 85Other: 128Total: 591
Ebay listings: 89Survey/other earnings:Amazon: £12Paypal/cash: £114.05Other vouchers:£0"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 -
End of month update:
Debts:
1. £8,153/ £8,1352. £3,754/£3,7463. £1,856/£1,8524. £4,726/£4,714Total: £18,489/£18,447Car - £1,000/£750
Mortgage - £108,099.83/£106,730.26
Savings:
LISA: £463.36Premium bonds £225Emergency fund: £139.50
Cash Buffer: £350
House improvement fund: £400"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 McGee6 -
DH has gone to the tip so at least we can get to the shed now, and can get the trampoline out. It's a lovely sunny day again today.
I've been catching up with all of the admin stuff this morning. Hoping to chill out a bit this afternoon in the sun."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 clearly have not been paying attention. Your mortgage has seriously shrunk! Wow! I'm jealous.
I'm a pain for taking on the jobs that seem to take forever without much benefit but do need going through properly. Like filling away all the paperwork and getting rid of some of it. Or going through magazines. I used to rip out the pages I hadn't read yet and put the rest in recycling. Drove hubby nuts.
Your debts seem tiny now too! You're amazing. I really hope someone consider your offer. Be lovely to be down to 2 or 3. You have so turned this around. Xxxx
Loan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138005 -
You have made huge progress. Hope you enjoyed some time out in the sun this weekend.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 10/10/254
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