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

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  • Your primroses look lovely Jwil 🌻 and the robins are cute 🦅. Enjoy your day whatever you do 🙂.
    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: 21,927 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your primroses look lovely Jwil 🌻 and the robins are cute 🦅. Enjoy your day whatever you do 🙂.
    Thank you, we've got a nice patch of them.  I did avoid them when digging.

    I've done nothing at all today :blush:
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photos. We used to have nesting birds - now we have a cat we no longer hang bird boxes as its too good a climber! 
    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 29/7/25
  • jwil
    jwil Posts: 21,927 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your Easter egg hunt sounds fab. Mine will do one later. Good that your savings pots are building up. I have too much access to online shopping so not having the same effect for me- if anything I am spending more at the moment. Some of that will be that DS is home - and some crafts, the garden and any other hobbies... We are doing our own version of 'dig for Britain' LOL.
    I have an ever growing list of stuff I want to buy online, but have been restraining myself.  I feel bad for those that are having to work and who are probably very busy and also stretched with staff off.  Saying that though, I did order some cloth sanitary protection yesterday as mine is finally wearing out after 7 years of use.  I do have plenty of stuff at home so don't really need anything though :lol:   I'm trying to get what I can when I go to the supermarket otherwise, even if I have to spend a bit more.  I'm working through my books, the kids are working their way through the craft and colouring stuff we have at home.  We're pretty well-stocked :)  The garden is one area I'd probably like to spend to buy some plants and a few other bits, but I'd be better off saving the money anyway.
    "If you can dream it, you can do it". Walt Disney
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