We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2020 - 'Nothing in your life will change until you make the decision to change'
Comments
-
I've been out for my walk again this morning, it wasn't sunny then but it is again now. My leg has been aching for a few weeks, I think it's a groin strain. Resting it hasn't eased it, so will try and gently walk it off now. I've got some physio exercises from the internet, so must try and do those as well.
I'm determined to have a more productive day today, the weekend has mostly been soaking up the sunshine and decluttering books. It's nice, but I'll get annoyed with myself if I do nothing over these two weeks.
Hope everyone has a good day
Hopefully I'll come back with something to report. "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 -
Sunshine this morning Woohoo!!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 -
Woo hoo! Enjoy!millionaire_in_training said:Sunshine this morning Woohoo!!"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 -
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 £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 -
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 MONTHS3 -
Lol, I'm definitely an early bird, tucked up nice and early at night insteadsavingholmes said: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.
Thank you. I didn't go this morning as I was in a huff and my leg was hurting again.HairyHandofDartmoor said:Your early morning walks sound like a brilliant idea Jwil 🙂. I hope your strain gets better soon."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'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"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 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 MONTHS3 -
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 £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 shopping trip went better this time, hope your feeling brighter today xx4
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.6K Work, Benefits & Business
- 599.9K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards