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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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I'm so glad it's the weekend. Shattered.
I did make it to aqua aerobics and pleased I did, even if I'm aching again.
Little jwil had parents evening this week and had a lovely report from his teacher, it makes me so proud
Hopeful for a quiet weekend. We've got to go to the library, ballet and swimming, but other than that not much planned.
We are under orders to take laptops home every day at work so that we can work from home if necessary. I tend to anyway in case either of the kids have the plague. I've been caught out before and it's a pain having to take a day off when I could have worked at home instead."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 -
Taking laptops home is a win:win. Hope you have fun over the weekend - sounds busy. Well done for going to aquafitAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/254 -
Thank yousavingholmes said:Taking laptops home is a win:win. Hope you have fun over the weekend - sounds busy. Well done for going to aquafit "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 -
Little miss wasn't feeling well yesterday, so we had a snuggly afternoon on the sofa. Just developing a cold I think, nothing sinister. She seems much better today. The kids have been swimming this morning and so chilling out for the rest of the day. I'm trying to get some listing done for DH, whilst he is prepping more.
Not much else planned other than general tidying."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 McGee6 -
Hope little miss is okay. Well done on the ebaying and tidying.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/253 -
Hope alls good and you manage to work from home x5
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savingholmes said:Hope little miss is okay. Well done on the ebaying and tidying.
Thanks guysbrizzlegirl said:Hope alls good and you manage to work from home x "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 are all in isolation now
Little jwil got sent home yesterday with a cough and temperature. I'm pretty sure it's just a normal cold, but of course we have to. Little miss has it now too and DH and I seem to be developing cold symptoms.
I'm still working from home but it will be increasingly difficult I'm sure as time goes on.
We were meant to be going to Cornwall this weekend but that's out now. I haven't officially cancelled though as I'm waiting to see if the park closes. If it does then we've got a better chance of getting a refund or new date. The kids were so upset.
Oh well. DH can't work from home so he'll be able to look after the kids and hopefully do some more clearing while we are off which means I can still work."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 -
Take care
Sorry about your break.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.5 -
I hope you all feel better soon Jwil.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS4
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