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

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  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on more sales.
    Hope tomorrow goes well.
    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.
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the weight loss
    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 29/7/25
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Great news on more sales.
    Hope tomorrow goes well.
    Thank you :smile:
    Well done on the weight loss

    Thank you :)

    "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
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Good news all round then  :) 
    Thank you :)

    Another good-ish day today.  I walked the kids to school and did a healthy lunch as well.

    Dentist tomorrow for me and the kids, not something I look forward to!  Fingers crossed nothing needs done.
    "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
  • I'm glad the kids are enjoying being back at school and I bet you don't miss the home learning! That's a good amount of ebay sales.
    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 MONTHS
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm glad the kids are enjoying being back at school and I bet you don't miss the home learning! That's a good amount of ebay sales.
    I certainly don't miss the home learning!  It's lovely seeing them so happy to be back.
    "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
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I forgot that little jwil was meant to be dressing up today, oops!  He didn't seem to mind, though it's wasted the money I spent before Christmas getting his outfit.  I bought trousers which he will wear anyway, and a furry gilet which he didn't like (he was meant to be stone age), so it's just the gilet really.

    Me and the kids have been to the dentist and all ok with nothing being done, so that's a relief, and just the check up fee to pay.

    I've had the letter from my creditor confirming that my account is now closed :grin:  They say that any future claim I make against them will be put towards the balance, but otherwise won't chase payment.  I'm not fussed as I've already had a PPI refund from them (and they didn't put that towards the balance) so can't see what else I'd be claiming :D 

    DH's car has been to the garage today and needs £900 of repairs 😱  It's something that he knew was coming up, so not a real surprise, but I've nagged suggested that it's better it's done now while he's not working rather than having him break down on the way to work or on the way home or something.  I've decided I'm not going to go back and make the offers on the two accounts, and will focus on trying to build up my savings, or help contribute to this bill.  It's reminded me that a £900 bill would still be a problem if it was my car so I want to build up a nice pot of savings.    I've still got the one offer outstanding so will see if that one comes back with anything.  I've cleared one debt this year, and so have achieved something.  I can go back next year and try and do another one :)
    "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
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great progress. Glad kids enjoyed school
    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 29/7/25
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