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

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  • doingitanyway
    doingitanyway Posts: 9,980 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Oh a boot sale. Sounds so delightfully normal. Small pleasures we have been denied are coming back! Glad you did well and enjoyed the boot sale :)
    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) 25/072025
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh a boot sale. Sounds so delightfully normal. Small pleasures we have been denied are coming back! Glad you did well and enjoyed the boot sale :)
    Thank you :)  It's nice to start doing these little things again.
    "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
    DH did a tip run today, so that has got rid of all the bags of garden rubbish and plastic.  He's also taken a fold up bed, and a bag of electrical items, so that's some more stuff gone :) .

    The bulk of the clothing orders arrived today, so I now need to go through little miss's clothing and bag up everything she's outgrown (which should be a lot of it!).  I was treated to a fashion show while she tried on every single item, even the multipacks :D  

    DH is planning to take the kids out tomorrow which is good as I need to spend the next couple of days focussing.

    I've cashed out from PA today, so that will go to the mortgage.  I'm very close to cash out on One Poll again, so hopefully will get there soon.
    "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: 95,620 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Tip run sounds very productive  :)
    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: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Tip run sounds very productive  :)
    Thank you :)
    "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
  • I think you're very sensible not to get into a fence discussion with the stroppy neighbours when the time comes. If it's clearly put up on your own land then there won't be anything to discuss. I'm glad Little Miss likes the new 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
  • Sarahwithlove
    Sarahwithlove Posts: 3,346 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I did the same thing and put a new fence up in front of my neighbours so it was mine and I could do what I wanted with it. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    My house is absolutely full of stuff again. I'm trying to deal with it but it seems impossible. And just like you none of its mine. My husband has left the military now and I've got rucksacks and suitcases full of uniform and all sorts. Everywhere. Plus we have both girls birthdays coming up. 
    So needless to say I'm impressed you've had big stuff leaving to the car boot. 
    We've got to get a plasterer in. Who knows when we will secure that. Still hoping you'll get am electrician soon xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Perhaps start a clothing fund. We have a quarterly allowance per person
    Achieve 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 29/7/25
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