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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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How exciting
Go for it if you can xxI 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 -
Thank youbeanielou said:How exciting
Go for it if you can xx If I can get the finance, I will definitely do it. "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 McGee3 -
I've found out that student finance for part time courses opens for applications in June, so I don't have to do anything for a while. I'm only going to do it if I can get finance, otherwise I'll put it off a bit longer. I've registered for the qualification, but can register for the individual modules at any time so I'm not committed to anything at this stage.
DH's car has been in the garage today for it's expensive repair, and he has also been back to work. It's been lovely having the house to myself! We've had the quote for the windows and it's a little more expensive than we were hoping so we'll probably see about getting an alternative quote to compare. It's a shame we can't get the company we wanted to use as we had experience with them. I had a figure in my head and it's about £150 more than that, but I don't know whether my figure was in anyway realistic so best to get an idea."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 had a reply from my final card today about the F&F. Unsurprisingly they rejected the offer, but did counter offer with about a 20% discount. Not enough for now, but it's good to know there's potential for the future.
DH's car bill was even more than expected and over £1k 😱 That's a bit painful, but it was definitely needed."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 McGee3 -
I hope you get the finance. Learning/education is always worth doing. Always a n enhancement to your life, sometimes in unexpected ways...You can lose your home or your job (hopefully not) but learning/education, is yours and cannot be taken away. Good luck with it.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Blimey to over 1k on the car.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 -
£1K for the car. Ouch!
Hope you get the finance.4 -
Ouch to the car billAchieve 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 29/7/253 -
Thank youdoingitanyway said:I hope you get the finance. Learning/education is always worth doing. Always a n enhancement to your life, sometimes in unexpected ways...You can lose your home or your job (hopefully not) but learning/education, is yours and cannot be taken away. Good luck with it.beanielou said:Blimey to over 1k on the car.Deleted_User said:£1K for the car. Ouch!
Hope you get the finance.
Thank you all. Ouch indeed. What's worse is DH says it's still not right so there might be something else needing doingsavingholmes said:Ouch to the car bill
"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 -
Today I have booked the boiler service and had a tidy round. It makes a difference having the house to myself! I can potter around in my lunch break. I've been doing well with the healthy eating so far this week too which is always good. We've walked to school each day apart from today as little miss fell yesterday and has very badly grazed her knees, so they were quite painful. Today is the first day I have driven since Christmas, and I filled my car up for the first time since probably November or December. It was a bit of a novelty (and more expensive) 😆"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 McGee3
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