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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: 22,031 Forumite
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    beanielou said:
    That's good news then  :)
    Definitely :)  Just need to find an electrician now, and then we might be able to get one room sorted!
    "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: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Two of my magazines sold overnight so that was good news :)  I'll send that money over to the mortgage I think. It's only a couple of £ but all helps!

    According to the scales I am half a stone down now, so that's all going well.  Let's hope it continues.

    Lovely sunny day today, always good for the soul.  We are about to go out for a walk to get some fresh air and I'll post the parcel while we are out.
    "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
  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you had a lovely day :)
    Great news on the half stone  :) 
    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: 28,974 Forumite
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    Hi Jwil

    Glad you have contacted your doctor and got an appointment. 
    Well done on the weight loss
    Great news on getting the windows done
    Fab that you can get out and about with the kids - and that you got positive feedback on the report you worked so hard on.
    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: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Hope you had a lovely day :)
    Great news on the half stone  :) 
    Thank you :)  I'm really pleased, down into the next stone bracket now  :smiley:

    Hi Jwil

    Glad you have contacted your doctor and got an appointment. 
    Well done on the weight loss
    Great news on getting the windows done
    Fab that you can get out and about with the kids - and that you got positive feedback on the report you worked so hard on.
    Thank you :)  It's clear that this fortnight isn't helping the anxiety so time to do something about it.  It will be nice to make progress with the windows though!
    "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: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    One silver lining of my anxiety is that it is helping me lose weight.  I'm into the next stone bracket today which is good.  I'm hoping that I can build on this even when I start feeling better.  It is a small boost, even if it's not for a good reason.

    DH has been furloughed again today so we might try and do something. 

    I did 10 listings yesterday for DH.  I've also received payment for the first lot of my books so that's £14 sent to the mortgage.   Hopefully I'll get the next one soon.  It's nice to see the mortgage trickling down :)

    I had another letter from one of my creditors yesterday asking for information which I'd already given them regarding the offer.  They want to know the full 'pot' available.  I've told them there isn't a pot, the offer is what it is.  I'm going to park that one and ignore now and just carry on with my payments.  It's not on my credit report any more anyway.  I've realised that my last two 'active' debts will also fall off my credit report in the next two months too, so after that the only ones on there will be the ones I've settled, and they will fall off next year or the year after.  That should make it look much better (not that it really matters!)
    "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
  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a good day.
    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.
  • jwil
    jwil Posts: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Have a good day.
    Thank you :)

    We've had a lovely day today.  We went to the coast,  Lynmouth and Valley of the Rocks.  Valley of the Rocks is one of my favourite places.  It was busy but there was plenty of space so felt ok and not crowded.  It's been a beautiful day as well which was nice.

    I've had an email saying my other book payment is on the way so that's good 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 McGee
  • jwil
    jwil Posts: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done contacting the GP
    I waited in for 4 hours (near the front door as the doorbell doesn't work) You've guessed it. The trades did not turn up. I then wasted 30 mins trying to get hold of them. I had a glass of wine and a bath as I was so wound up.

    Edited as the window company came when I read on. Pleased for you.
    It's so frustrating isn't it.  I hate waiting for people at the best of times, even worse when they don't turn up!
    "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
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