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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: 21,892 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 :D  I'm not sure why they didn't keep it, but I'll have the £11 if they insist! 
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    £11 in your pocket is always nice
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • jwil
    jwil Posts: 21,892 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    £11 in your pocket is always nice
    True!  It can go to the mortgage so all will be good :)
    "If you can dream it, you can do it". Walt Disney
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    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
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • jwil
    jwil Posts: 21,892 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kitten868 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
    Thank you :)
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lots of fab progress there. Glad you were able to relax too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • beanielou
    beanielou Posts: 95,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fantastic news on the spare room  :grin:
    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.
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