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2020 - 'Nothing in your life will change until you make the decision to change'
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End of month update:
Debts:
1. £8,153/ £8,117
2. £3,754/£3,738
3. £1,856/£0 😁
4. £4,726/£4,702Total: £18,489/£16,557
Car - £1,000/£450
Mortgage - £108,099.83/£105,725.54
Savings:
LISA: £519.61
Premium bonds £275
Emergency fund: £401
Cash Buffer: £490
House improvement fund: £100
Going in the right direction! The home improvement fund has been emptied of £500 for the windows, but it's not empty!"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 -
Decluttering update.220. Pen
221. Kite
222 - 237. Books
238. Dress
239. Xmas jumper
240. Gauze
241. Pin badge
242 - 243. Books
244. Flag
245. Swim shorts
246 - 272. Needlework magazines
273 - 278. Comic books
279 - 284. Books
285. Money box
286. Boots
287-295. Boxes
296. Plastic sheets
297. Box dolls furniture
298 - 299. Tins
300. Metal funnel
301. Bubble wrap
302. Car vacuum
303 - 304. Bags sand
305. Plastic tub
306. Alarm clockDecluttering 2021 totals:Magazines/papers: 636Ebay parcels: 168Other: 306Total: 1110Ebay listings: 183Survey/other earnings:Amazon: £44Paypal/cash: £240.30Other vouchers:£0"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 everyone is well. I'm glad it's the weekend. I managed to have an easier day at work today so that's started me off well.
My anxiety has not gone, but it's hugely better than it was, in that I can function at the moment. It makes life so much easier. DH says he's getting on with the decluttering this weekend, so fingers crossed. It's also his turn for doing the swimming lessons so I won't have to go out unless I choose to. I'll try and do a bit of tidying this weekend I think.
Payday today and so everything not on DD has been paid. I've done a price comparison for DH's car insurance and we can save £100! Result! I've done it each year so not sure why the saving is so much this year. We're not complaining 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 McGee5 -
So pleased that your anxiety has lessoned.
Enjoy your weekend
xx 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 -
Glad you are feeling somewhat better. Enjoy your weekend ⭐️Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p14 -
Beautiful beach photo. Glad you are feeling better. Your money is headed in the right direction too.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 29/7/253 -
beanielou said:So pleased that your anxiety has lessoned.
Enjoy your weekend xxWinterWarrior said:Glad you are feeling somewhat better. Enjoy your weekend ⭐️
Thank you everyonesavingholmes said:Beautiful beach photo. Glad you are feeling better. Your money is headed in the right direction too. Hope you have a lovely 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 McGee3 -
DH has taken little miss to her swimming lesson so I'm trying to do some listing. He had a bit of a sorting and tidying flurry yesterday which was fab
After little miss's lesson she wants to do parkrun so we will head down for that, and I think little jwil is going to run as well. I love her determination, she really focusses on what she wants to achieve 😍 She doesn't want DH to walk around with her, or to run with little jwil, she wants to go on her own. It's too hard to let go! I can't bear the thought of her being out of sight on her own, even if there are marshals at regular points and there would be loads of people around. It's more about if she fell over or something. Luckily my best friend has decided to come up with her son too, and she will take him round, so at least there will be someone familiar near her! I think that is an acceptable level of supervision for little miss
"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 -
She sounds impressively energetic. I would want to keep a discrete eye too - although I've lost track of what ages your kids areAchieve 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 -
She doesn't take after mesavingholmes said:She sounds impressively energetic. I would want to keep a discrete eye too - although I've lost track of what ages your kids are She's only 5. She went around with my friend and then DH did a lap with her as well (it's a 2 lap course).
I'm very impressed with her though, we went to the park after, and she's been out on her scooter as well since she came home. It's nice to see them active.
As we were coming home we popped to see how a local park which is being renovated is looking, the kids are looking forward to it reopening. I then popped to the farm shop and got a sack of potatoes, and a number of cakes. Their doughnuts are amazing, and their doughnut of the month is lemon meringue, so we just had to try them
We are having toad in the hole for lunch, and then chilling out this afternoon. Hope everyone is having a good day "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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