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2020 - 'Nothing in your life will change until you make the decision to change'
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Glad your all well and the test was negative xx3
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Glad the test was negative. I don't have the best eating habits so trying to balance with more fruit and saladAchieve 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 29/7/253 -
With you 110% on the eating.
Will see no more
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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 -
Thank you. I agree, it's definitely easier to increase something than decrease it! I read somewhere that a good target to aim for is 30 different types of plant each week for gut health, so I'm working on that. That can include herbs and spices so it's not as scary a target as it initially seems.doingitanyway said:When I was losing weight I concentrated on eating loads more fruit and veg. It seemed to help as the goal was more and not less so it seemed easier, if that makes sense?
On the spending, all the diaries I have dipped into today are flagging up overspending as an issue so you are not alone
"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 -
Thank youpennywisepoundstupid said:Glad your all well and the test was negative xx Hope all is well with you xx
I don't either, but like you, feel that it's more balanced if I'm at least getting lots of fruit and veg.savingholmes said:Glad the test was negative. I don't have the best eating habits so trying to balance with more fruit and salad
It's so hard isn't it. Good luck though, we can do it!beanielou said:With you 110% on the eating.
Will see no more( "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 -
Kids back to school today and very happy to be back. I forgot to take the money for their non-uniform day so will have to pay that tonight.
I've cashed out from PA, so will send that to the mortgage.
Work is stupidly busy, I'm being diverted to do everyone else's work so I'm not getting a chance to focus on my own. Hopefully things will ease off a bit soon. I have a big deadline next week, and then hopefully can have a breather for a bit. I've got 4 days flexi booked off after that, so that will be a nice break, as the kids will (hopefully!) be in school, so I'll be able to catch up with some stuff at home and have a bit of time to myself."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 -
Sounds bliss to have time off planned while kids are out...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 29/7/253 -
Thank you, I'm very much looking forward to a few hours with no demands on me, so I can just get on with stuff.savingholmes said:Sounds bliss to have time off planned while kids are out..."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 -
Why not also try not getting on with stuff?Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.4
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Indeed, time out to rest or explore could increase your energy and vitality far moreAchieve 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 29/7/253
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