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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 MONTHS4 -
HairyHandofDartmoor said:Your primroses look lovely Jwil 🌻 and the robins are cute 🦅. Enjoy your day whatever you do 🙂.
I've done nothing at all today"If you can dream it, you can do it". Walt Disney4 -
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 29/7/254 -
savingholmes said: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!
Because we are home, we are noticing more,
"If you can dream it, you can do it". Walt Disney5 -
After a very lazy day yesterday, I have been up and out for my walk this morning.
Inspired by @savingholmes I have downloaded My Fitness Pal. I am just going to use it to track my eating for a while so I can see how much I actually eat. My general meals are mostly healthy, but they are fully outweighed by the endless snacking so hopefully this will be an eye opener. I've never calorie counted before so this should be interesting.
It's going to be another warm one today, so not sure if I will be doing much in the garden, I might leave it for next week when it is cooler again. I'll see how it goes.
Have a good day everyone"If you can dream it, you can do it". Walt Disney5 -
I've caught up with surveys and checked banks. I'm in the middle of doing a RM unaddressed survey at the moment, but they don't seem to be delivering any of the junk mail. The only one I've received is the Boris letter.
It's such a novel situation having money in the bank at this stage of the month. I'm so unused to it. It's nice though, and hopefully will become a new normal in the future."If you can dream it, you can do it". Walt Disney6 -
Happy Easter everyone! Hope you all have a relaxing day.
There appear to be a scary amount of Easter eggs in the house, it looks like DH and I took advantage of the various offers at many points, and didn't coordinate what we had bought
The kids are mid-easter egg hunt, that should keep them occupied for a bit!
"If you can dream it, you can do it". Walt Disney5 -
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.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 29/7/255 -
savingholmes said: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'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 Disney4 -
I thought I'd dig out the list, I might try and tackle some categories this week
Decluttering categories (roughly following Marie Kondo) with my own sub categories.
Clothing- Mine
- Little Jwil
- Little miss
- Mine
- Kids
Miscellaneous (Komono)
Kitchen- Cutlery
- Crockery
- Pans
- Equipment
- Food
- Cleaning products
Stationery
Christmas Decorations
Airing cupboard- Towels
- Bedding
Toiletries
Accessories
Nick nacks
Electrical
Computer files
Sentimental- Photos (hard copies)
- Photos (digital)
- Holiday stuff
"If you can dream it, you can do it". Walt Disney5 - Mine
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