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

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  • jwil
    jwil Posts: 21,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you guys. I hate feeling like this, it's so exhausting  :(
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    the thought that I try to stick with when I feel really down is that it will pass.  Even read back in your diary and you will see the truth in that.  In the meantime, positive vibes are heading your way
    Thank you lovely.  I'm sure it will soon enough. :)
    "If you can dream it, you can do it". Walt Disney
  • I hope you enjoy your three days off at half term Jwil 🙂. Is it very stormy where you are? It's very wet and windy here ☔🤬. We'll all be glad when spring arrives.
    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
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi JWIL enjoy your time off. Hope you are finding fun activities as well as the decluttering. Well done on cleansing your computer. I need to do that too - I have loads of duplicate photos.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • jwil
    jwil Posts: 21,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope you enjoy your three days off at half term Jwil 🙂. Is it very stormy where you are? It's very wet and windy here ☔🤬. We'll all be glad when spring arrives.
    Thank you :)  It was quite wild yesterday, not so bad today but the rain has started again.  It's very flooded all over the place though.  I definitely can't wait for spring!
    Hi JWIL enjoy your time off. Hope you are finding fun activities as well as the decluttering. Well done on cleansing your computer. I need to do that too - I have loads of duplicate photos.
    Thank you :)  We are going out for the day tomorrow.  Hoping the weather has improved by then!
    I'm terrible for downloading photos more than once as I can't remember if I've already done it!  I still need to go through now and sort out the ones which are very similar, but at least the actual duplicates are gone.
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We did replace our boiler for a combi one and got our garage door replaced at the same time. It made a major difference to our heating costs - and we got our airing cupboard back and space in the loft. We had never serviced the previous boiler or had specific problems we just wanted to sort it before a big problem hit. We never had decent shower pressure before - but now we do. 

    Hope you manage to nurse yours along until you are ready to fix it.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
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