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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Well the roast dinner style cottage pie worked out ok.
Just trying to finish DH's listings, that will be 21 listings done.
I've been invited to a meeting on Monday relating to the project. I haven't decided if I will attend, will see what I'm doing otherwise."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 -
That's great.
I think the 15 minute thing works really well.
It works really well for me too
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.4 -
What's the project?
Sorry, seem to have missed this.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.4 -
Thank you. It really does make a difference, I'm going to try and do it more regularly!beanielou said:That's great.
I think the 15 minute thing works really well.
It works really well for me too
Sorry that's me waffling. It's the work project that I've had to dip into this week. It's trying to get stuff signed off, which is really helpful when I'm on leave! (I knew it was happening when I booked the leave and said I was able to dip in and out if I need to).beanielou said:What's the project?
Sorry, seem to have missed this."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 -
I was just browsing ebay to see if I could find some cheap second hand sofas. Nothing local sadly. When I cleaned ours today, I realised that what was a worn patch on one is now a big hole! They are both very old and worn now, so we need to replace them, but I don't really want to spend a lot!"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
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Keep your eye on your local FB selling pages.
I got an absolute bargain a while back.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.4 -
Belated happy anniversary.
Well done on the 15 mom activities. May try that.
Try fr33cycle for sofa and furniture charitiesAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/253 -
I know its not the best advice but I really rate ikea sofas and they're not as expensive as everywhere else. I'm on my second one. This one has removable covers so I can chuck it in the machine.
Well done your 15 minutes power organising. XxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138005 -
I second Facebook marketplace, been some real bargains on our one recently.Love the 15 minsSealed pot challenge 822
Jan - £176.66 :j2 -
Thank you, good idea, I will do that! Well done on your bargain!beanielou said:Keep your eye on your local FB selling pages.
I got an absolute bargain a while back.
Thank yousavingholmes said:Belated happy anniversary.
Well done on the 15 mom activities. May try that.
Try fr33cycle for sofa and furniture charities Good thinking about freecycle. The furniture charities mostly supply low income households locally, but there are a couple of charity shops (I think!) which sell furniture.
No it is good advice, because if we can't find a decent second hand one, we'll have to buy new at some point. Thank youKitten868 said:I know its not the best advice but I really rate ikea sofas and they're not as expensive as everywhere else. I'm on my second one. This one has removable covers so I can chuck it in the machine.
Well done your 15 minutes power organising. Xxx
Thank youdawnybabes said:I second Facebook marketplace, been some real bargains on our one recently.Love the 15 mins I shall have a look! "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 McGee2
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