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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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I think we need to set mini-est jwil on your dh more often. She's more effective than you. She's the queen of decluttering. I bet she was nagging away. She's brilliant. I've always thought you held the crown but she motivates all of you. Actually, could you send her round? I think I need her in my house.
Brilliant updates all over. Very pleased for you xxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138004 -
Thank yousavingholmes said:Lots of fab progress there. Glad you were able to relax too.
Thank youbeanielou said:Fantastic news on the spare room
I'm so pleased! "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 McGee2 -
She's far more effective than me! She doesn't give up 😆😆 I'll send her over.Kitten868 said:I think we need to set mini-est jwil on your dh more often. She's more effective than you. She's the queen of decluttering. I bet she was nagging away. She's brilliant. I've always thought you held the crown but she motivates all of you. Actually, could you send her round? I think I need her in my house.
Brilliant updates all over. Very pleased for you 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 -
Payday today. I haven't done any of the money shuffling so will do it tomorrow.
Everyone here has a stinking cold apart from me, so I'm hoping, but not expecting to avoid it!
We had a power cut this morning, and since then haven't been able to put the you view box back on. Dr Google suggests it might be critical and we've probably lost our recordings. I don't think there was anything on there that I probably couldn't find elsewhere. I've grabbed the fire stick from the other TV so we can still access the apps and iplayer etc, so I think we'll be ok without replacing it. I might just get another fire stick or something as it's handy having access to it all on both.
My kindle battery seems to be dying too. It's not holding charge at all at the moment. I've had it since 2010 so it's done me well. I'm hoping I can keep it going until Christmas and then DH says he'll get me a replacement. I can use the Ipad if I get desperate, but I prefer the kindle as it doesn't feel like a screen in the same way as the tablet does. I've also got loads of books on there which I haven't bought through amazon, so I don't want it to die until I've got through those as it will be a faff getting them on a new device."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 -
Good luck sorting out your kindle and tv. Not what you need as you are trying to relax into a weekend.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 -
Hope you can get kindle revived.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:Good luck sorting out your kindle and tv. Not what you need as you are trying to relax into a weekend.
Thank you, it's sod's law isn't it. Everything at once! It's still working at the moment, just battery needs charging daily. Hopefully it will continue that way.beanielou said:Hope you can get kindle revived.
DH wants to get another you view box as he'd only just figured out how to use the last one (we've had it 9ish years!). He's not technologically minded, and the fire stick is probably a step too far. Just trying to work out whether it's better value to buy one or sign up to a tv package again with BT (means I could cancel some of my streaming subscriptions).
Another quiet weekend planned (my favourite type!). I want to tidy, see what we can do in the small room, and chill out. Little jwil has a Halloween party to go to, and little miss desperately wants to go trick or treating. I hate the idea, so may persuade DH to take her.
Just doing the financials. Bulb looks like it's going down in the next week or so, so I shall make sure I've done all my meter readings. I've got a record of my balance as well. It's a real shame as I've been really happy with them. My monthly payment has been reasonable and I've been able to top up my account if needed."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 -
Sounds like you have everything handled. I love a quiet weekend 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 -
I think I'm becoming more of a hermit by the day!savingholmes said:Sounds like you have everything handled. I love a quiet weekend 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 -
So am I!!jwil said:
I think I'm becoming more of a hermit by the day!savingholmes said:Sounds like you have everything handled. I love a quiet weekend 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
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