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2020 - 'Nothing in your life will change until you make the decision to change'
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Blimey, jwil, that's a really long 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.5 -
Great progress on the debt busting / clearing off the file.
Hope your long day was worthwhile. Hope you have a fab weekendAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
It wasn't meant to be but everything took longer than expected as usual. I'm tired, but glad I did it though as it's a worry less over the weekendbeanielou said:Blimey, jwil, that's a really long day!!!
Thank yousavingholmes said:Great progress on the debt busting / clearing off the file.
Hope your long day was worthwhile. Hope you have a fab weekend I achieved what I wanted to so that's the good thing "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, and what a glorious weekend it looks like it might be!
DH is on swimming duty this weekend, so I'll be pottering around at home trying to tidy and clean. I'm tired, so I'm going to alternate little bits of tidying with sitting with a book.
I need to do the finances today, as I didn't do anything other than the money shuffle yesterday.
Tomorrow little miss has already said she's doing parkrun and my bestie will be coming up with her son as well, so we'll be able to have a catch up after
It's nice and warm so I've got the bedding in the wash and opened the french doors to let the outside in. The kids are playing in the garden.
DH has lots of plans to take the kids out next week, so I'll have peace to work and they'll get lots of fresh air. We are probably going to do a boot sale on Monday, so hopefully we'll clear some stuff and get some sea air at the same time
DH has also said he's going to try and finish clearing the small bedroom. If he manages that it will be a massive achievement. We've just got to try and find an electrician, as no one seems to come back to us! 😡
I stumbled across some photos I'd taken of the house in 2016. I do try and do it each year so I can see if we are making any progress. Goodness, we have come so far. Even I can't believe how much stuff there used to be 😱😭. It's funny how we forget! There may still be a long way to go but it's a million times better than it used to be!
I dreamt last night that I went back to slimming world. I think my subconscious is trying to tell me something
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 McGee7 -
LOL at SW. Well done on decluttering. Enjoy some relaxationAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
Thank yousavingholmes said:LOL at SW. Well done on decluttering. Enjoy some relaxation "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 -
Well done on all the decluttering progress.
what a pants dream...in a dream you should really be in an all you can eat chocolate and cake shop!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/p16 -
Its good to see our progress in concrete terms. I agree, we do forget how far we have come 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 -
Haha that would be much better!WinterWarrior said:Well done on all the decluttering progress.
what a pants dream...in a dream you should really be in an all you can eat chocolate and cake shop!
Thank youdoingitanyway said:Its good to see our progress in concrete terms. I agree, we do forget how far we have come "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 -
We do forget how far we have come.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
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