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

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  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    edited 14 September 2021 at 9:43PM
    Go for 25%  :)
    As a full & final I mean.
    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.
  • jwil
    jwil Posts: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like a plan to me. 
    Thank you :)
    "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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Go for 25%  :)
    As a full & final I mean.
    Thank you :)  I think that sounds reasonable and is doable so I think I will.
    "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
    Lovely that they've made an offer. It would be lovely to clear another one of the list but if they can't do it on your terms it hurts them more than you. You have done so well anyway. 

    I seem to spending like mad lately too. Don't beat yourself up. Like I always say to you when you're this far into your journey stuff does get threadbare and you need to replace it. You're not spending frivolously and adding to debt, you're doing really well. Keep your pecker up xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • I agree on the threadbare thing

    I also think at some point we plateau and things can be hard for a while. 

    Good that you are getting offers
    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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kitten868 said:
    Lovely that they've made an offer. It would be lovely to clear another one of the list but if they can't do it on your terms it hurts them more than you. You have done so well anyway. 

    I seem to spending like mad lately too. Don't beat yourself up. Like I always say to you when you're this far into your journey stuff does get threadbare and you need to replace it. You're not spending frivolously and adding to debt, you're doing really well. Keep your pecker up xxx
    Thank you :)  I wouldn't have got so far without the support of you all on here ❤

    I agree on the threadbare thing

    I also think at some point we plateau and things can be hard for a while. 

    Good that you are getting offers
    Thank you :)  It does seem to go that way sometimes, everything needs replacing at once!
    "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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My cold has rather annoyingly turned into a cough!  I've done another LFT which was negative, and a PCR test today which hopefully will also come back negative. I don't have much planned this weekend, so can hibernate, but I'm meant to be marshalling on Sunday at junior parkrun.  Hopefully I'll get my results before then!

    Little jwil got me up in the middle of the night complaining about a sore throat, so he's possibly getting it too.  I couldn't get to sleep after I'd sorted him out so I'm shattered again today.  A quiet weekend will do us no harm at all.

    I've got to 31 miles on my walk, so I'm pleased with my progress.  I use the active 10 app on my phone, and apparently have completed the govt's recommended activity levels for the last 2 weeks.  Considering how sedentary I normally am, I'm pleased with that.  I'm getting quite addicted to the little rewards on there :D 

    Not much to report otherwise.  I haven't done my offer letter yet, I might try and do that this weekend.

    Have a good weekend everyone :)
    "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
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better soon. 31 miles is impressive
    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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better soon. 31 miles is impressive
    Thank you :)  I wasn't convinced I'd do that much!
    "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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