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

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  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sunshine this morning Woohoo!!
    Woo hoo!  Enjoy!
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got to enjoy a sunrise. I have seen few in my life LOL. We have had both bright sun and rain here today. 
    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
  • Your early morning walks sound like a brilliant idea Jwil 🙂. I hope your strain gets better soon.
    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: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got to enjoy a sunrise. I have seen few in my life LOL. We have had both bright sun and rain here today. 
    Lol, I'm definitely an early bird, tucked up nice and early at night instead :lol:

    Your early morning walks sound like a brilliant idea Jwil 🙂. I hope your strain gets better soon.
    Thank you.  I didn't go this morning as I was in a huff and my leg was hurting again. 
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've been in a mood all day today.  Little miss has been playing up too. It's just one of those days I think, glad it's nearly over.

    I went shopping this afternoon, so that I could avoid the weekend in case it gets busy.  Then I saw a news story saying shops had been quite busy last weekend so I think I made the right decision.  I went to Morrisons and the experience was much better than last week at Tesco!  

    I've been pottering around doing little bits of tidying here and there.  I had a strop again with DH about all his stuff, and one with the kids for just leaving stuff on the floor all the time.  Happy days here!   Hopefully I'll improve tomorrow.

    Hope everyone has a good day xx
    "If you can dream it, you can do it". Walt Disney
  • I hope you have a better day tomorrow Jwil. Everyone is under a lot of stress and anxiety at the moment.

    It's good that you got your shopping done 🙂.
    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
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry your leg is hurting you - are you just on pain relief or have the docs suggested anything that could help?
    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 shopping trip went better this time, hope your feeling brighter today xx
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