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2020 - 'Nothing in your life will change until you make the decision to change'
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Aww thank youmissymoo81 said:@jwil I forgot how much I love your diary. Im enjoying catching up!
"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 -
Hurrah for a week off. Today little miss wants to go to a car boot sale, so we'll do that later. My shopping is due, and I promised we'd go to the farm shop as well.
Other than that, I plan to do my financials and update the decluttering list. Hopefully I'll get some done this week as well.
I was really pleased about how I'd not really dipped into my pots this month, but over the last couple of days have really decimated some of them
I must have a less spendy month next month! It's mainly due to DH's birthday, replacing a couple of items, and getting ready for school. However there has been some frivolous spending too! I must look back and see exactly what I've spent on!
I've continued to do all my PADs as normal, and the savings have increased whilst the mortgage and debts have decreased so it's not all bad."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 -
Sounds like there will be a good end of month financial report.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.5
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I hope so! I do need to look back on what I've spent though, it's bad that I can't remember!in_need_of_direction said:Sounds like there will be a good end of month financial report."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 -
We're back from the boot sale and the farm shop. I spent nothing at the boot sale. I let the kids take £2 each from their piggy banks, and refused to top them up, so they had to look around and decide what they really wanted to buy first. They are both happy with their finds. I'm hoping to persuade them to get rid of some other stuff later this week!
I'm feeling lazy today so might do my 15 mins in the hour thing again, to try and achieve something. The kids don't want to do anything else today, so that's fine by me "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 didn't manage to get much done after all, just a token tidy up. We went out to another car boot sale in the end on the hunt for a specific item. We didn't manage to find it so I ordered it online when we got home. We were out until lunch time, and so I've chilled this afternoon, and made a nice roast for tonight as we haven't had one for a while, and it feels a bit chilly today."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
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End of month update:
Debts:
1. £8,153/ £0 😁
2. £3,754/£3,600
3. £1,856/£0 😁
4. £4,726/£4,678
Total: £18,489/£8,278
Car - £1,000/£0 😁
Mortgage - £108,099.83/£103,307.38
Savings:
LISA: £651.35
Premium bonds £425
Emergency fund: £7.81
Cash Buffer: £1080
House improvement fund: £10"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 -
Decluttering update.410-416. Books
417. Cycleometer418-419. Books
420-455. Clothing
456. Shoes
457-458. Sponges
459-469. Books
470. Pen
471. T-Shirt
472. Throat spray
473. Scissors
474. Hairband
475. Socks
476-477. Pens
478-488. Books
489-499. Comics
500. Paperwork
501. Artwork
502-508. Colouring books
509-514. Activity books
515-516. Shoes
517-518. Wellies
519. Pen
520. Reading glasses
521-522. Trainers
523. Shoes
524. Jeans
525. White spirit.Decluttering 2021 totals:Magazines/papers: 699Ebay parcels: 253Other: 525Total: 1477Ebay listings: 245Survey/other earnings:Amazon: £94Paypal/cash: £402.06Other vouchers:£0"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'm disappointed about how much I've dipped into the emergency fund, so I'm going to go back and look at my spendiness. Some will be school uniform, DH's birthday etc, but some will be frivolous spending.
However, the mortgage has reduced by over £500 and my savings otherwise have increased, so it's not all bad 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 McGee3 -
It’s not bad news at all. Everything’s going in the right directionMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.4
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