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2020 - 'Nothing in your life will change until you make the decision to change'
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HairyHandofDartmoor said: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 🙂.Not so grumpy today so far
savingholmes said:Sorry your leg is hurting you - are you just on pain relief or have the docs suggested anything that could help?pennywisepoundstupid said:Glad the shopping trip went better this time, hope your feeling brighter today 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 McGee4 -
I did get up and go for my walk this morning
I've got a bit of a headache but think that was from sleeping on a new pillow.
It's cloudy today, but that might mean I'm a bit more productive as when it's sunny I tend to just sit in the sun and not do a lot!
We've got Robins nesting in our shed, and I've spent hours recently watching them flying in and out with food for the babies. This morning one has fledged and so we finally managed to see it. I feel like a proud granny 😍"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 -
The robin watching sounds very therapeutic. I've enjoyed playing spot the bird / wildlife at home too although our cat and dog take turns chasing stuff away!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 -
savingholmes said:The robin watching sounds very therapeutic. I've enjoyed playing spot the bird / wildlife at home too although our cat and dog take turns chasing stuff away!"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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Glad you're feeling better today 🙂. It's lovely when birds nest in your garden 🦅.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 -
HairyHandofDartmoor said:Glad you're feeling better today 🙂. It's lovely when birds nest in your garden 🦅."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
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As the robins have moved out of the shed, (they've gone into the hedge behind our house) I ventured out into the garden yesterday. I'm turning a large wasted space bed into an extended patio area so the kids have a bit more space. We've got a load of stone cladding that we removed from inside the house and has been stacked in the garden for years (!) so I am using that to form the basis of the patio. I did the digging yesterday and just need to level off and place the stone down now. It will do until we can get the garden done properly. As with the house, it needs completely re-doing so I don't want to spend money now. I kept having extended breaks as every time I stopped the robins were diving in to find worms and bugs
I'm not feeling very enthusiastic today so not sure how much I'll get done. I might have a chilled day today and get back to it tomorrow.
Hope everyone is well."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 -
Here is the fledgling
"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 -
Looks like your keeping busy Jwil and the fledgling is very cute.
Happy Easter xx
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pennywisepoundstupid said:Looks like your keeping busy Jwil and the fledgling is very cute.
Happy Easter 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 McGee4
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