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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Great news on the £23. Sorry you've been unwell though. Hope you feel better soon.
Good luck with DD's birthday celebrations!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 -
Thank yousavingholmes said:Great news on the £23. Sorry you've been unwell though. Hope you feel better soon.
Good luck with DD's birthday celebrations!
"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 -
DH has just taken the kids out swimming so I've now got a couple of hours. I'm going to tidy round, clean the kitchen and bathroom, hoover upstairs and downstairs and then chill for a bit. I'm still not feeling right, but it's just uncomfortable more than anything else.
When they come home we've got to go and pick up a bike for little jwil, and get little miss's birthday cake and a few other bits.
It's been blowing a gale here, and next door's trees have been scraping against our window all night. Just another reason for me to be annoyed about them.
I need to get my car insurance quotes this weekend, and sort out some paperwork. I might get extra organised and write my Christmas cards too. I will also try and finish my Christmas shopping. I love having nothing to do but relax in December!"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 so dark and gloomy I really want to put up the Christmas lights. I'll have to work on DH later. We don't start decorating for Christmas until after little miss's birthday, but I think lights can be part of the celebration 😁😁 The tree and everything else can wait."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
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Lights would be lovely to have up for her birthday 😁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 -
That's my thinking!WinterWarrior said:Lights would be lovely to have up for her birthday 😁
"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'd definitely do the lights - I am planning to start putting my lights up. I love looking at them on cold winter evenings.
Well done on having xmas nearly sorted. I'm hardly buying for people this year so I am nearly sorted tooAchieve 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 needed DH to get them out of the loft but they are up now! It's a nice bit of cheersavingholmes said:I'd definitely do the lights - I am planning to start putting my lights up. I love looking at them on cold winter evenings.
Well done on having xmas nearly sorted. I'm hardly buying for people this year so I am nearly sorted too
Glad that you are nearly sorted too. I don't buy for a lot of people, so it's not too onerous."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 managed to get everything done I had planned today, hurrah. I did forget to try and get little miss a black top and leggings for school though so I'll have to try and do that tomorrow. I wish they'd give us notice!
I did go to the pharmacy and get some meds to tide me over until I see the GP.
Little miss says she wants to do parkrun tomorrow as well. I guess she might change her mind in the morning!
"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 a productive weekend. Hope you feel better soonAchieve 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
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