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

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  • Cherryfudge
    Cherryfudge Posts: 13,281 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm loving the debt reduction! :)

    Sorry you are losing your days to yourself. I hope the kids stay well.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Flipping heck  :(
    Boo.
    If you were up here the schools have broken up.
    And here. It’s a 9 week break
    It's such a shame for them.  We've still got 3 weeks left here.
    "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
    I'm loving the debt reduction! :)

    Sorry you are losing your days to yourself. I hope the kids stay well.
    Thank you, me too!

    I'm hopeful they will be fine.  
    "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
    Today I started work at 5.30 and am having a break before I go back to it.  A big deadline today and so I need to complete but at least that will be the end of a heavy few months.  (Hence I was hoping to have those days to myself).

    I did have to take little jwil for a PCR test this morning - the public health team have said that the whole year needs to take them even though they are not symptomatic.  Hopefully we'll get a good result tomorrow.  However, they still have to isolate even if it's negative.    He's not allowed on school grounds so I have to take him in the car and leave him there while I drop little miss off. 

    We've also received the national Ipsos survey PCR test for him, so I'll give it a couple of days and then do that one, and at least we'll have confirmation then.

    Hope everyone is well :)
    "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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The meadow photo was stunning.
    Well done on the decluttering and debt reduction totals
    Sorry about you losing your time to yourself. Hopefully little Jwil's test results will be clear.
    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
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The meadow photo was stunning.
    Well done on the decluttering and debt reduction totals
    Sorry about you losing your time to yourself. Hopefully little Jwil's test results will be clear.
    Thank you :)  He tested negative thankfully :)
    "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
  • Cherryfudge
    Cherryfudge Posts: 13,281 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    jwil said:
    The meadow photo was stunning.
    Well done on the decluttering and debt reduction totals
    Sorry about you losing your time to yourself. Hopefully little Jwil's test results will be clear.
    Thank you :)  He tested negative thankfully :)
    That's good to hear.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil said:
    The meadow photo was stunning.
    Well done on the decluttering and debt reduction totals
    Sorry about you losing your time to yourself. Hopefully little Jwil's test results will be clear.
    Thank you :)  He tested negative thankfully :)
    That's good to hear.
    Definitely a relief.  The testing has picked up one more case so far.
    "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
  • teapot2
    teapot2 Posts: 3,540 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Excellent news re the spare room being visible again, you are doing so well!
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