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2020 - 'Nothing in your life will change until you make the decision to change'
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Thank yousavingholmes said:Great progress. Glad kids enjoyed school
"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 weekend everyone
Hope everyone is well. I had my appraisal this week at work and all has gone well. I managed to address a couple of issues too which is good.
I've got the new Stephen King book today so that's my weekend sorted It was only £3.50 as well so very bargainous. I had
some vouchers so it didn't cost me anything either.
Council tax is up £8 a month this year
Water is up a couple of £ as well. Oh well, at least it's not an issue like it's been in the past.
I did pay £10 to the mortgage today from survey money, and I've withdrawn another £10 today so will do the same tomorrow. I've been padding away as well.
I'm hoping to do some cleaning this weekend. The house feels grubby.
Have a good weekend 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 McGee5 -
Enjoy your weekend 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.4 -
It's such a lovely feeling having a debt paid off and closed 😁. Well done on your good work appraisal👏.
We've had a letter from the council tax but I couldn't face opening it to see how much it's gone up, I know it won't be good news though 😒. £8 a month is quite a lot to go up isn't it? What band are you in?
Have a good weekend 🙂 .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 MONTHS5 -
It's quite a bit, they've put it up almost the full 5%. We are in band C and pay over 10 months so it's £80 for the year.HairyHandofDartmoor said:It's such a lovely feeling having a debt paid off and closed 😁. Well done on your good work appraisal👏.
We've had a letter from the council tax but I couldn't face opening it to see how much it's gone up, I know it won't be good news though 😒. £8 a month is quite a lot to go up isn't it? What band are you in?
Have a good weekend 🙂 .
You have a good weekend too "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 -
Ouch - mine has gone up a similar amount too. Given that all the utility bills have also gone up during lockdown it isn't great.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 -
Yes, I agree. I'm lucky in that I'm saving elsewhere, but it's going to be difficult for so many.savingholmes said:Ouch - mine has gone up a similar amount too. Given that all the utility bills have also gone up during lockdown it isn't great."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 -
Happy mother's day Jwil🌷 .
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 MONTHS4 -
Thank you, you tooHairyHandofDartmoor said:Happy mother's day Jwil🌷 . "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
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