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2020 - 'Nothing in your life will change until you make the decision to change'

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Comments

  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you will get some money back and save some costs during this period. I'm grateful mine are older - however because they are used to being more independent this is still a big shock for them.
    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 29/7/25
  • Taking down your listings seems like a good idea to me Jwil.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • jwil
    jwil Posts: 22,204 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you will get some money back and save some costs during this period. I'm grateful mine are older - however because they are used to being more independent this is still a big shock for them.
    Thank you.  Yes it's just as difficult for the older ones as well isn't it.

    beanielou said:
    Take care 😊🌈
    Thank you, you too :)

    Taking down your listings seems like a good idea to me Jwil.
    Thank you, it's one less thing to worry about!
    ladyholly said:
    I have also ended all my ebay listings except a couple that have watchers on them. They will be closed next weekend if they dont sell. I took 2 parcels to the PO today and they said there are huge delays on deliveries so there doesnt seeem much point in continuing and cuts down the times I need to go out.
    Yes, that was my thinking - I wanted to avoid delays, but also things are changing so rapidly, I didn't want to risk the PO suddenly closing and not being able to post anything.
    "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 McGee
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well said JWIL. Hope your headache goes away. Look after yourself in all of this 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 29/7/25
  • jwil
    jwil Posts: 22,204 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well said JWIL. Hope your headache goes away. Look after yourself in all of this too. 
    Thank you, it's fine today. I slept better last night which probably helped.

    Kitten868 said:
    The only people out there are key workers and the 'corona deniers'. Corona deniers are very angry at key workers for not doing everything like we aren't in the middle of a pandemic. It's pretty pants risking your family every day just to get shouted at and coughed on. I do not know how the NHS workers are doing it. 
    I think calling a halt on Ebay is wise. I can't believe I'm still getting junk mail. Poor posties. 
    My only advice is be firm but fair. 
    My kids are up the wall too. Very clingy. Still we've finally got sunshine :) makes it all easier to deal with xxx
    Yes, people are disgusting.  It's hard to remember that the vast majority of people are lovely when all you come across are the numpties.  I really salute everyone who is completely frontline and having to put up with all this face to face and deal with their own concerns as well.  

    It makes it so much easier with the sun, I hope your kids settle.
    "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 McGee
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