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2020 - 'Nothing in your life will change until you make the decision to change'
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Well done on the walking and decluttering and bay sales.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 29/7/253 -
Thank yousavingholmes said:Well done on the walking and decluttering and bay sales.
"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 -
Back to work today and the kids are back to school tomorrow. I had a catch up with my line manager, and we are heading back to the office at the end of the month 😱 I'm only going in one day a week initially so it won't be too bad, but it will be weird for sure! Annoyingly there are major roadworks near work so commuting will be a nightmare. At least it's only one day a week! If I do a long day I'll miss the evening rush hour too, so will just have to compete with the morning one.
I had a spendy weekend again 🙄 I've ordered some new trainers and also some insoles which I hope will help with my foot pain. I've also ordered a couple more tops to prepare for the autumn/winter and for going back to work. I've ordered little miss's birthday gifts. So much for a less spendy month!
I've done a bit more walking towards my 50 mile target as well, so am at 6 miles now. I hope to be over 10 miles by the weekend as I'll be walking to school.
Not much else to report, I'd better have a last minute panic to get everything ready for school!"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 McGee5 -
What make did you get?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.3 -
I am going into the office for odd days. Weird at first. Quite like it nowAchieve 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 29/7/252 -
I got these: https://smile.amazon.co.uk/gp/product/B07P5KZT2R/ref=ask_ql_qh_dp_hza They have just arrived. They are nice and feel comfortable but I think I might keep them more for work and wet days and get something softer and more casual for day to day walking. They just seem too smartbeanielou said:What make did you get?
It's fine though, as the ones I used to wear to work look far too tatty now to get away with, so I would have needed to replace them anyway. I'll wait until I've got some more vouchers or survey money before I buy something else though!savingholmes said:I am going into the office for odd days. Weird at first. Quite like it now
I'm quite happy to go back one day a week. I think it will be nice to see people again, though I think I prefer working from home as a general rule!
"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 -
5 parcels posted again this week, it's trickling out!
I wore my new trainers and the new insoles this morning, and I don't know if it was just the novelty, but they really felt like they had adjusted my posture. I found the walk easier than normal and was quicker too. It will be interesting to see if it continues.
I've hit 10 miles today on my 50 miles challenge, so need to average around 2 miles a day for the rest of the month."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 -
It most definitely is still trickling out. You're still the ebay whizz!
Glad your shoes feel so comfortable... you wait til you get a decent bed xxx Loan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138004 -
All good then 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 -
Glad the shoes ate helping you meet your exercise goalsAchieve 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 29/7/253
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