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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: 95,677 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I loathe waiting in for people.
    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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    I loathe waiting in for people.
    Yes, I do 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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy weekend everyone.

    Back to swimming for the kids this weekend.  They are so happy to be back, and it's nice to have a bit of normality again, even if the timing on a Saturday is a pain.  Little jwil's been today, and little miss tomorrow.

    DH sold 13 items last night, so they were posted this morning.  One bulky item gone and still another 4 items selling later today  :)  He's been sorting some more this afternoon. 

    I watched the funeral this afternoon whilst decluttering a book.  I finished sorting through my bookcases the other day and have a pile of non-fiction to look through and then probably get rid of.  These are all big hardbacks so a lot of space will be gained from them.  First one done today. It's cleared enough space to store my paperwork files within the bookcase rather than on top, so I have a surface clear and can use that to display something nice.
    "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: 95,677 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Whispers~~I hated DS's swimming lessons so much.
    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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I saw car boot sales are back soon, I can't remember if you sell at them? I remember you like buying stuff there though so maybe not a helpful suggestion!
    Thank you :)  Our local one starts today.  DH is going to have a look today.  He's been warned not to buy stuff! :D  The one we like to sell at most isn't due to start for a month or two yet and I haven't heard about another local one.  I'm sure we will be selling at some point this year.

    beanielou said:
    Whispers~~I hated DS's swimming lessons so much.
    I don't mind so much, but little jwil's are currently 12pm on a Saturday.  It just ruins the whole day as we can't really do anything!  Little miss's are at 8am on a Sunday, much better!
    "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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope GP chat goes well. I was pleased my kids learned to swim - but hated taking the - unless there was a separate (quieter) pool I could go in while I waited
    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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope GP chat goes well. I was pleased my kids learned to swim - but hated taking the - unless there was a separate (quieter) pool I could go in while I waited
    Thank you :)  Yes it's a pain taking them.  It's only half an hour a lesson.  I have contemplated going to the gym at the same time, but I'll consider that when they are a bit older and after covid restrictions are gone.
    "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: 95,677 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope that the meds help  :) 
    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.
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