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2020 - 'Nothing in your life will change until you make the decision to change'
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What a lovely warm sunny day it's been
Not a huge amount done today, but a nice relaxing day reading and pottering about. The kids requested we make a cake so that was done too. I've caught the sun on one of my arms, I'll have to sit the other way tomorrow to balance it 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 McGee6 -
Glad you had a relaxing day 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 MONTHS4 -
Sounds great Jwil enjoy your time off x5
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Enjoy your two weeks off. DH and I are off from Good Friday for just over a week. Can't wait either.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Thank you everyone
I got up for the loo this morning at 5.45 and saw that it was a stunning sunrise out there, I could hear the birds singing, so decided to get up and go for a walk. It was lovely! I shall try and do that more often as the later the day gets the less likely I am to go 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 McGee7 -
Hi. How are you? Sunshine? There's none in Scotland
5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.005 -
I bet it was lovely out there all by yourself with the beautiful sunrise ☀️🙂.jwil said:Thank you everyone
I got up for the loo this morning at 5.45 and saw that it was a stunning sunrise out there, I could hear the birds singing, so decided to get up and go for a walk. It was lovely! I shall try and do that more often as the later the day gets the less likely I am to go out.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 MONTHS4 -
Your walk sounds lovely. Hope you've had a good rest of the day.LBM Aug 2017.
Debt at LBM - £30,055
Debt at highest - £43,148.59
Current debt - £18,880.00
EF - £1,000.00
Challenges
PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.5 -
Your walk sounds lovely and peaceful! 5
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MIT! Long time no see! How are you doing? Sorry you haven't seen any sunshine, hope you get some at some point. Lovely to 'see' you againmillionaire_in_training said:Hi. How are you? Sunshine? There's none in ScotlandHairyHandofDartmoor said:I bet it was lovely out there all by yourself with the beautiful sunrise ☀️🙂.AdventureWanted said:Your walk sounds lovely. Hope you've had a good rest of the day.
Thank you everyoneSSDD23 said:Your walk sounds lovely and peaceful! I really enjoyed and so got up and did the same today. No sun as it was cloudy, but still nice to hear the birds. There were more cars on the road this morning, but mostly work vehicles. "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
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