📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

2020 - 'Nothing in your life will change until you make the decision to change'

Options
1166167169171172235

Comments

  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    We do forget how far we have come.
    Definitely!  Especially when it's slower progress so big changes don't happen at once.
    "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
  • NeverendingDMP
    NeverendingDMP Posts: 2,215 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    They do have growth spurts all of a sudden don't they and it ends up being a  full clothes and shoe shop. At least you should have summer  clothes sorted for now
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    They do have growth spurts all of a sudden don't they and it ends up being a  full clothes and shoe shop. At least you should have summer  clothes sorted for now
    Thank you, yes fingers crossed that's it for now!
    "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: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We are back from the boot sale.  We've done quite well, so that's good :)  A couple of bulky items gone.  Considering DH said we didn't have a lot, there seemed to be an awful lot of stuff!  We took a picnic, and then bought an ice cream whilst there.  I bought a hat for me, but that's it.  When we came back we nipped down to the local fair.  It was so expensive!  We paid £2 each for the kids to go on one ride, but that was it.  We've come home for chinese/chippy takeaway which is a nice treat.
    "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: 95,627 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds like a lovely 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.
  • Well done on getting rid of bulky things at the car boot sale 👏. It's lovely to feel life is a bit more back to normal now 🙂.

    Children's clothes are so expensive now 😬. I remember how much it used to cost us. Thank goodness ours are grown up now and can buy their own clothes 😁.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    It sounds like you had a lovely day. 
    They don’t have boot sales up here, not sure if it’s a Scottish thing or a small popular thing! 
    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/p1

  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Sounds like a lovely day  :)
    Thank you, it was lovely :)

    Kitten868 said:
    Jwil! Look at your mortgage!! Its vanishing! You're doing so well on all fronts. Debt is disappearing and so is the clutter. 5 years of hard work slaving away on ebay and everything else. That's so amazing. Be proud. 
    I hope you get an electrician soon. I have heard that workmen across the board are in such high demand right now. Keep trying. You'll get there. 

    Keep going brilliant lady xxx
    Thank you :)  We're getting there.  I think I'll feel more comfortable when we could get the mortgage on one salary, so that's why I want to get it down as a priority.  We're really benefitting from the low interest rates as the majority of our payment is going to the balance now, so that plus the PADs is really having an impact :)  How is everything with you?

    Well done on getting rid of bulky things at the car boot sale 👏. It's lovely to feel life is a bit more back to normal now 🙂.

    Children's clothes are so expensive now 😬. I remember how much it used to cost us. Thank goodness ours are grown up now and can buy their own clothes 😁.
    Thank you :)  It is nice to do a few things again :)  Some of the prices are quite scary for kids clothes.  This is just from the supermarkets so I got more for my money than some places!  I was going to get myself a couple of tops for in case I go back to work, but I think that can wait for a bit until I know for sure.

    It sounds like you had a lovely day. 
    They don’t have boot sales up here, not sure if it’s a Scottish thing or a small popular thing! 
    Thank you, it was nice.  My folks have a boot sale near them (though it's usually indoors!) so they obviously are around in Scotland but maybe not so popular because of the weather!
    "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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.