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

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  • teapot2
    teapot2 Posts: 3,539 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Enjoy your 'you' day and hope the sun keeps shining 🌞
  • jwil
    jwil Posts: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    teapot2 said:
    Enjoy your 'you' day and hope the sun keeps shining 🌞
    Thank you :)  Have a good day yourself :)
    "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: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have done nothing today!  I fell asleep when I was sitting in the sun and that's made me lethargic all day.  I've decluttered some books as a result.  I hate sleeping in the day, it's such a waste.  It's quite nice just to sit around and do nothing though.

    I have another day off tomorrow, but will be nipping to the office for the first time since last March! A colleague is giving me a computer monitor, so I'm going in to pick it up.  It will mean I can continue to have two screens at home and in the office without having to lug the monitor around!

    I've started watching Virgin river on Netflix.  I'm really enjoying it so far.  I found out it's based on a book, so looked it up and it's one of a series of 18!  I bought the first one as it was 99p on kindle, but if it's any good, I'll try the library for the rest I think.  I want to take the kids in to sign them up for the summer reading challenge anyway.
    "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
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    I'm going to pretend you didn't bring up summer reading challenge. Don't remind my kids xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • jwil
    jwil Posts: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kitten868 said:
    I'm going to pretend you didn't bring up summer reading challenge. Don't remind my kids xxx
    Oops, sorry! 🤐

    beanielou said:
    Sleep is never wasted, always needed  :smiley:
    Good news on the monitor  :)
    True, but it makes me feel rubbish if I sleep in the day, so I try not to.

    It's very kind of them to give me the monitor!
    "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: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've had a marginally more productive day today :)

    I've been into work and collected the monitor, saw a couple of people I haven't seen since last year which was nice.  I went for a bit of a mooch around the shops - it was lovely, and nice to be alone, and not have to clock watch!  I bought the kids a couple of bits they needed - mostly half price too, so that was good.  I picked up my prescription and have also done a bit of housework.

    I'm going to chill out in the garden for a bit 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
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    Glad you had a rest and a Change....

    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: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a rest and a Change....

    Thank you, it does make a difference!
    "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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