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

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  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the spare room~~be proud  :grin:
    Good news on kids back at school.
    When do yours beak up?
    Hope you get your two days to yourself  :)   xx
    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.
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Flipping heck jwil. You're making so much progress at home. I'm really happy you've sorted out your TV aerial. You definitely needed it sorting. Glad tiniest jwil wants her own space. Definitely good sign of independence. 
    Glad you've noticed the difference in girl and boy clothing sizes too. It's madness. Girls and boys are no different yet they make the sizing so different. No wonder we all have complexes. 
    Debt... well actually your money spreadsheet looks totally fantastic. You are so nearly there. Well you are nailing this and have great financial outlook. So brilliant. Next stage is having the home you deserve. Xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • BalanceBy50
    BalanceBy50 Posts: 486 Forumite
    Seventh Anniversary 100 Posts Photogenic Name Dropper
    Hi jwil just catching up. Sounds like you’ve had a tough few weeks. I hope work has eased up a little now? Glad you are getting a couple of days to yourself this week. Little jwil will be so glad to get back to school - has he two weeks left? My fingers are firmly crossed we all get to the end of term with no bubbles bursting. Hope you get the windows and the electrician recommendation comes off xx
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    teapot2 said:
    Excellent news re the spare room being visible again, you are doing so well!
    Thank you, we are getting there! 
    "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: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I think Little Miss will get her way!
    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the room
    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
    beanielou said:
    I think Little Miss will get her way!
    Kitten868 said:
    God love that little doll. I hope she gets her way. She deserves it. What a sweetie. And goodness knows be deserves to be nagged. 
    You can get some great wall stickers now so shouldn't be too hard to make it up to her standards. Then once she's out you can get little jwils room up to his standard. You were aiming to sort their room first anyway xxx
    Good luck with the room
    Thanks everyone, she's certainly putting the pressure on :D  

    Ooh, that's a good idea about wall stickers, thank you kitten!  I hadn't thought about that.
    "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
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