📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

Options
1209210212214215235

Comments

  • jwil
    jwil Posts: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Great news on the windows :grin:
    Good news on your cat
    Thank you :)  I'm very happy on both counts :smile:

    Lots of positives there. Bet it's a relief to have the windows done

    LOL 🤣 winter warrior at the riot comment. One of my goals currently is to be angry on time and express it appropriately rather than letting it get bottled up... 
    It really is a relief.  It makes me more motivated to get the others done now seeing the difference.

    I like your goal, I should try this.

    @savingholmes what a great goal.
    brilliant news about the window and the cat. 
    I agree about the incorrect name calling. It does undervalue you as they can’t be bothered to get it right. Mine is similar to the wrong name, for example if you were a Joanne and being constantly called Joan….drives me insane 😡…and there’s the rage! 
    It is so frustrating, and because of it, I'm so much more conscious of ensuring I get the right name (or call people by their preferred name) so I suppose there's one benefit.
    "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: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    In the past, after having corrected someone a few times for how they referred to me, I added though I suppose at your age, it’s easy to forget.  They didn’t get it wrong again 
    Oh I love this, I should definitely try it! :D 
    "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 said:
    In the past, after having corrected someone a few times for how they referred to me, I added though I suppose at your age, it’s easy to forget.  They didn’t get it wrong again 
    Oh I love this, I should definitely try it! :D 
    I definitely would give that one ago - as long as there are no witnesses... 
    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: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil said:
    In the past, after having corrected someone a few times for how they referred to me, I added though I suppose at your age, it’s easy to forget.  They didn’t get it wrong again 
    Oh I love this, I should definitely try it! :D 
    I definitely would give that one ago - as long as there are no witnesses... 
    😆😆         
    "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: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi everyone :)

    We had a break in Cornwall this weekend, it was lovely to be away, even if I spent some of it panicking about how we'd get home!  Luckily we managed to fill up on Saturday afternoon, so could relax and get out and about.  We did some exploring of new places.  

    I didn't spend too much which is good.  I'm very close to my 50 mile total for the month as well so I'm pleased I will have achieved that.

    I'm back to the office this week, it will be weird!  Just one day though, so not too much.

    I've got to work on Saturday this week, and I have my flu jab on Sunday.  I'm looking forward to payday, but next month I have MOT and service, and I need to try and book for the dentist as well.
    "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
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had a good wee 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.
  • An excellent time to have a break in Cornwall, just before the weather gets too cold. I hope you kept your eye out for Poldark 😬
    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/p1

  • Glad you had a nice time in Cornwall. I love the sea... I miss it.
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.1K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.