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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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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 £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:Well done on pottering, chilling and the OP. Glad DH is treating you.
It was a nice treat "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 -
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
) - 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 "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 - Visit the garden centre to get something for my Mum (didn't want to do it too early and risk me killing it
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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 £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 -
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 wellJan 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...4 -
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.savingholmes said: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.
Thank youNeverendingDMP said: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 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. "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 -
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!"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 -
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 😡"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 -
50 quid!!!
Hope things settle down for DH soon
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
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One debt remaining. Home improvement loan.4 -
I hope DH’s work comes back strongly in the new year ☹️Not all who wander are lost - J.R.R.Tolkien
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https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p14
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