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2020 - 'Nothing in your life will change until you make the decision to change'
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I generally have to stick to the school holidays so that dictates when I take my leave. However I spoke to my line manager about having bank holiday week off so not long to wait at all 😁😁😁WinterWarrior said:That all sounds lovely. I hope you survive going back to work ☹️ I like to book the next days or week off so I have a new countdown in place…then I can think ‘only x weeks until I’m off’ when it feels never ending 😬
Thank youteapot2 said:Sounds like a good weekend to end off your break and hope the return to work isn't too painful.
First day back wasn't too bad. I'm back to my own work rather than helping out with emails and complaints which is always good news 
"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 -
*whispers* I've just bought some completely frivolous and unnecessary leggings....
🤦♀️🤦♀️🤦♀️ So much for trying to reduce my spending 🙄"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 -
I could do with some frivolous & unnecessary leggings
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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.5 -
🤣 me too!beanielou said:I could do with some frivolous & unnecessary leggingsNot all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p14 -
In what way are they frivolous? Essentials surely... certainly are in my house! Enjoy...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/252 -
beanielou said:I could do with some frivolous & unnecessary leggings
You're supposed to be telling me off!WinterWarrior said:
🤣 me too!beanielou said:I could do with some frivolous & unnecessary leggings savingholmes said:In what way are they frivolous? Essentials surely... certainly are in my house! Enjoy...
Because I totally don't need them, and I probably won't even wear them outside of the house as I hate my legs.
But, but, but I love the patterns! Hopefully they will be as nice as they look
https://jennyjuice.co.uk/leggings/
"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’m the least qualified person here to tell you off about frivolous spending (looks sadly at the box of orange flavoured Twirls)….Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p13 -
🤣🤣🤣 I'm thinking that you were probably a labrador in a past lifeWinterWarrior said:🤣 I’m the least qualified person here to tell you off about frivolous spending (looks sadly at the box of orange flavoured Twirls)….4 -
Not wanting to encourage your legging habit but have you see Lucy Locket leggings ?Sealed pot challenge 822
Jan - £176.66 :j3 -
😂😂 I don't count chocolate as frivolous, I think it's essential 😁😁WinterWarrior said:🤣 I’m the least qualified person here to tell you off about frivolous spending (looks sadly at the box of orange flavoured Twirls)….
😂😂😂😂CRANKY40 said:
🤣🤣🤣 I'm thinking that you were probably a labrador in a past lifeWinterWarrior said:🤣 I’m the least qualified person here to tell you off about frivolous spending (looks sadly at the box of orange flavoured Twirls)….
No, I haven't but I have now! They are nice, and I might get some for little miss, thank you! I quite fancy the dungarees!dawnybabes said:Not wanting to encourage your legging habit but have you see Lucy Locket leggings ?"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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