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2020 - 'Nothing in your life will change until you make the decision to change'
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Thank you, you tooWinterWarrior said:The troll and witch costumes sound fun.
Have a great Sunday ⭐️
"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 -
Well done on the listing and home made costumes. Decluttering does help make space calmer yet so find it so hard!!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 29/7/254 -
You are right, it makes such a difference, but starting is the big effort here!savingholmes said:Well done on the listing and home made costumes. Decluttering does help make space calmer yet so find it so hard!!"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 -
I'm just popping in before I go back to work for the evening event. My stress levels are so much lower knowing I'm not presenting tonight!
DH sold 9 items yesterday so all the stuff gone, plus the boxes which I'd been hoarding for packaging. It's cleared the cupboard again, so I can access it more easily. It's also nice when people pay promptly so we can get it out of the house!
I did all of the listings that DH had prepped, and gave him a little reminder that he needs to keep going 😉😁
I've booked off Friday to Tuesday - last minute but it will be nice to have a couple of days off together. DH is covering half term otherwise, and Friday is a late addition to the week off, so I won't have to work and entertain the kids at the same time.
If the weather continues to be rubbish, I shall encourage them to do some more sorting."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 -
Great news on the sales and the space and time offAchieve 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 -
Great news on the sales & the time off too.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 -
savingholmes said:Great news on the sales and the space and time off
Thank you bothbeanielou said:Great news on the sales & the time off too. "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 -
It’s always good to get rid of boxes and packing, they take up so much space!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/p14 -
Just catching up. You are doing so well with decluttering and getting money in at the same time. If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
They really do! We buy packaging, because we sell a lot of stuff, but that's all flat packed so easier to store. I then keep boxes from our deliveries, and got given a load by work so they had built up and were taking up loads of spaceWinterWarrior said:It’s always good to get rid of boxes and packing, they take up so much space!
Thank you, it's a nice incentive!doingitanyway said:Just catching up. You are doing so well with decluttering and getting money in at the same time. "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
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