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2020 - 'Nothing in your life will change until you make the decision to change'
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Hope you are keeping well retired, and had a lovely Christmasretiredandskint said:Sorry to hear about OH's job hopefully it results itself soon. I've always kept a Christmas book and write my shopping list in it. Then after Christmas I'd write all the things we didn't open/eat so I'd know it was a waste buying. I like lists and notebooks
Hope you and your family and your readers have a hapoy Christmas and let's hope 2022 is a good one x
Definitely hope 2022 is a good one
I love the idea of a Christmas notebook, I usually write a list, but didn't this year. Maybe one for next year!"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 -
Hope everyone had a nice Christmas! Ours was nice, it was good to see family again. Today is going to be a lazy day as I spent most of yesterday cooking, and looking after everyone, so today I'm going to chill!
I got a nice pile of books yesterday, and also a Keanu Reeves colouring book 😍
Best present ever!
DH sold three items yesterday, one has gone for a good price. I've packed them this morning and he's taken them to drop them off at the shop. All good, and got rid of a few boxes too.
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 McGee5 -
Belated Merry Christmas @jwil hope you have THE most relaxing day ever xx5
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Glad things have gone well yesterday and you get to relax today. Ebay sales are also fab.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 29/7/254 -
Thank youBalanceBy50 said:Belated Merry Christmas @jwil hope you have THE most relaxing day ever xx I hope you had a lovely Christmas!
Thank yousavingholmes said:Glad things have gone well yesterday and you get to relax today. Ebay sales are also fab. It's nice to see things going still. "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 had a lovely relaxing day yesterday, I read a whole book and finished two I'd already started. I also watched the remake of the Amazing Mr Blunden, which was great, I still prefer the original, but it was a close call. I plan to watch the original today.
Today I plan to mix chilling out and getting some stuff done. I've taken some beef out of the freezer and will make a casserole using up that and the remaining veg from Christmas day. We finished the turkey yesterday. That will be all the leftovers used up.
Still plenty of treats left, but I hope to balance them with eating better generally. I need to start meal planning again.
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 McGee3 -
Sounds like you had exactly the day you neededAchieve 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 29/7/252 -
Yes, it was lovely! We've done much the same today, just chilling out.
"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 -
Great news on the ebay sales.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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