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2020 - 'Nothing in your life will change until you make the decision to change'
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Hurrah I'm off for a few days now!
I've been on a course on Carbon Literacy today which was so fascinating and a little alarming too! It was very intense so I'm shattered.
I've not got any real plans for these few days. We want to go and see the moon display if we can, but other than that, not too much. Our cases are through the roof at the moment, so I don't fancy being around people too much. I'm not sure if I am eligible for a booster, but if I am, it will be 6 months from my 2nd jab next week.
I am going to look at a house tomorrow on behalf of my relatives. Feeling a bit under pressure, but will take care to look carefully.
I had a letter from the creditor which wrote off my debt earlier this year. It said my account was in credit and I hadn't contacted them about getting a refund. I had no idea about it, and why are they offering me a refund when they've just written off £8k worth of debt??? I decided to phone them, and it took up my whole lunchbreak as they were trying to find someone who knew about it 🙄. However, apparently the last payment I made must have coincided with them closing the account, so I am due a refund of £11
I'm not sure why they didn't keep it, but I'll have the £11 if they insist! "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 -
£11 in your pocket is always niceAchieve 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 -
True! It can go to the mortgage so all will be goodsavingholmes said:£11 in your pocket is always nice
"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 -
Well done you on all the sales! You work so hard for it and I am glad it is still freeing up space that helps you.Result on the £11. I am sure you can put that to good use!Glad you've got some time off with the kids. I love tiniest jwil decluttering. She is such a star xxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138004 -
Thank youKitten868 said:Well done you on all the sales! You work so hard for it and I am glad it is still freeing up space that helps you.Result on the £11. I am sure you can put that to good use!Glad you've got some time off with the kids. I love tiniest jwil decluttering. She is such a star xxx "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 -
Hello everyone
Payday tomorrow hurrah!
I had a nice few days off, we didn't do much, but we did make it to Wells to see the moon display! It was great. Other than that we just chilled. I've been feeling a bit grotty but think it's a combination of hormones and eating too much rubbish. I've eaten very little fruit and veg in the last couple of weeks, so need to get back to better habits!
Just doing the financials, I've had an expensive month with MOT, Service and now 2 tyres which DH got done for me today. I've been getting organised for Christmas too, so have been spending for that. I'm hoping that I can get done and then calm down on the spending again for a while and build up those pots properly. My savings are still growing but I do dip into the easily accessible ones!
I'm getting close to being under £100k on the mortgage, that will be a very exciting barrier to breach!
I had a lovely surprise yesterday, I went to work and came home to find that DH had almost cleared the spare bedroom! It is getting closer."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 -
End of month update:
Debts:
1. £8,153/ £0 😁
2. £3,754/£3,590
3. £1,856/£0 😁
4. £4,726/£4,666
Total: £18,489/£8,256
Car - £1,000/£0 😁
Mortgage - £108,099.83/£102,166.26
Savings:
LISA: £710.00
Premium bonds £475
Emergency fund: £54.73
Cash Buffer: £1050
House improvement fund: £10"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 McGee5 -
Decluttering update.
526-527. Cups
528. Pen
529. Game
530. Batman car
531. Beatbo
532. Balloon
533. Catalogue
534. Paperwork
535. Toy dinosaur
536. Top trumps
537. Tin
538. Dinosaur toy
539. Nightlight
540-542. Low energy lightbulbs
543. Plate
544. Socks
545-551. DVDs
552. Gift bag
553. Socks
554. Pen
555. Toy
556. Glass cleaner
557-558. Pens
559-560. Shoes
561. Daps
562-564. Trainers
565. Wellies
566. Jeans
567. Kilner lid
568. Boots
569. Boxers
570-578. childrens books
579. Doll
580. Music player
581. Toy kitchen equipment
582-584. Balls
585. Top trumps
586. McDonalds toys
567-594. Soft toys
595. Mask
596. Wand
597. Tutu
598. Bag
599. Tambourine
600. Game
601. Mini etch a sketch
602. McDonalds toy
603-605. Figures
606-610. BoxesDecluttering 2021 totals:Magazines/papers: 735Ebay parcels: 308Other: 610Total: 1653Ebay listings: 287Survey/other earnings:Amazon: £124Paypal/cash: £412.21Other vouchers:£0"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 McGee5 -
Lots of fab progress there. Glad you were able to relax too.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 -
Fantastic news on the spare room
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
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