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

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  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on pottering, chilling and the OP. Glad DH is treating you.
    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: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on pottering, chilling and the OP. Glad DH is treating you.
    Thank you :)  It was a nice treat :)
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm quite pleased with what I achieved yesterday, I feel like I've got the 'hard' jobs over with now.  I did all the beds and caught up with all the washing.  I cleaned the oven, and generally tidied around.  The kids have been threatened that Father Christmas won't be impressed if he sees their bedroom is a mess when he drops off their stockings, so hopefully that will encourage them to keep the room tidy.  I need to ensure the floor is clear anyway so I can continue with the daily hoovering!

    Today's plan:
    • Visit the garden centre to get something for my Mum (didn't want to do it too early and risk me killing it :D )
    • Try and distract the kids long enough to allow me to go upstairs and sort the gifts
    • Arrange all the gifts for family so I know they are ready to go
    • Tidy and organise the kids toys downstairs
    • Sort the Christmas food and make sure we've got everything.

    Have a good day everyone :)
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I always used that tidy up threat too. I always made them declutter loads before xmas - for the 'poor children' so that they would have room for their new gifts.
    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
  • Glad the drs went well and you have managed to get the bigger/boring jobs out of the way.
    I am inspired by your reading plans. I've been so caught up in things I rarely read any more. I started a book when off with the little one isolating and it reminded me of the 20 things we promised to do in 2020 thread.  I might have a look later and see what I pledged. Hope the garden centre visit goes well
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I always used that tidy up threat too. I always made them declutter loads before xmas - for the 'poor children' so that they would have room for their new gifts.
    Yes, I didn't manage to get to the declutter this year, so that will be a job for after Christmas now I think.  They did get rid of the odd bit, but with little miss's birthday party, we recluttered!  Luckily most of it is consumables like craft stuff, so it won't be here for ever.

    Glad the drs went well and you have managed to get the bigger/boring jobs out of the way.
    I am inspired by your reading plans. I've been so caught up in things I rarely read any more. I started a book when off with the little one isolating and it reminded me of the 20 things we promised to do in 2020 thread.  I might have a look later and see what I pledged. Hope the garden centre visit goes well
    Thank you :)  I ought to read back to the start of the year and see whether I've achieved anything I planned, thanks for the reminder.  I do love to read, I always have a book with me and dip in whenever I get a chance.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well I managed the top two items on my list, need to try for the other three today.

    I've got my hygienist appointment today, I kind of wish I hadn't bothered until next year but at least it will be out of the way.

    I've got to pick up the turkey as well.

    DH has been given tomorrow off which is nice for us, but it's due to quietness as everyone is cancelling everything.  We'll just have to see how things go next year.

    Got the mortgage increase letter (Happy Christmas!), but it's only going up by £5 so not really an issue.

    Have a good day!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hygienist done.  £50 it cost me and I was in there about 5 minutes!! 😱  Definitely wish I hadn't bothered.

    Turkey collected and toys tidied a bit.

    DH has been told not to go in on Monday (unpaid) 😥 who knows what will happen after that.  It's nice to have the Christmas break, but the uncertainty is not pleasant for businesses or staff 😡
    "If you can dream it, you can do it". Walt Disney
  • beanielou
    beanielou Posts: 95,387 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    50 quid!!!
    Hope things settle down for DH soon  :(
    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.
  • I hope DH’s work comes back strongly in the new year ☹️
    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/p1

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