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

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  • jwil
    jwil Posts: 21,936 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm exhausted again today.  I'm trying to catch up with some stuff, hoping that it will remove some of the tasks floating around in my head!

    I've packed 4 ebay parcels, doing some admin, and will try and do some listings.  Then this afternoon I plan on chilling out.  I want to get the kids to start to sort through their toys and identify anything they no longer play with, as this will be a good time to sell them.

    I had a spendy day yesterday, I bought DH's Christmas present, part of little miss's birthday gift.  I'm just going to try and get everything done for Christmas and the few birthdays between now and then in the hope of avoiding all the madness and any lorry driver - related delays closer to Christmas.   It means this month will be spendy, but then I can relax the next couple of months knowing everything is done, and can build up my pots again.
    "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
    Always good to have a plan. Hope you got some rest too
    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: 21,936 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Always good to have a plan. Hope you got some rest too
    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: 21,936 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm feeling rough today, I didn't sleep well last night, as I wasn't feeling well.  I'm not sure if it was a reaction to the flu jab or just one of those things.  I think today it's just tiredness so I'll have an early night tonight.

    DH had a flurry of sales yesterday so there's some more stuff gone, hurrah!  I did a few listings yesterday and one is selling already.

    Not much else to report really.  Is anyone else finding surveys really quiet these days - particularly on PA?  Hopefully they'll pick up again soon.
    "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: 95,538 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I was wiped out for 36 hours after the flu jab.
    Hurrah for more sales.
    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.
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    I've been getting my girls to sort through their toys. Actually had quite a bit of success. Now they know the benefits of clearing out they're much more keen. Maybe you could make it a challenge to earn their new bedrooms? 
    Hope you sleep better tonight xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kitten868 said:
    I've been getting my girls to sort through their toys. Actually had quite a bit of success. Now they know the benefits of clearing out they're much more keen. Maybe you could make it a challenge to earn their new bedrooms? 
    Hope you sleep better tonight xxx
    Sounds like a fab idea

    Jwil - hope you feel better soon. I had my flu jab yesterday but not noticed anything so far.
    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: 21,936 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    I was wiped out for 36 hours after the flu jab.
    Hurrah for more sales.
    Sorry to hear that.  Mine cleared up after a good night's sleep thankfully

    Kitten868 said:
    I've been getting my girls to sort through their toys. Actually had quite a bit of success. Now they know the benefits of clearing out they're much more keen. Maybe you could make it a challenge to earn their new bedrooms? 
    Hope you sleep better tonight xxx
    I like this idea, thank you :)

    Kitten868 said:
    I've been getting my girls to sort through their toys. Actually had quite a bit of success. Now they know the benefits of clearing out they're much more keen. Maybe you could make it a challenge to earn their new bedrooms? 
    Hope you sleep better tonight xxx
    Sounds like a fab idea

    Jwil - hope you feel better soon. I had my flu jab yesterday but not noticed anything so far.
    Thank you - I felt better after a good night's sleep so it was probably just tiredness.
    "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: 21,936 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy weekend everyone :)  I'm planning on doing nothing apart from taking the kids swimming and probably parkrun.  I'm shattered, and it's been a tough week.

    I need to catch up on life admin and get some listing done.

    "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
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Enjoy your lovely nothing weekend, the admin can wait ⭐️
    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

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