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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 -
Thank you, we've got a nice patch of them. I did avoid them when digging.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
"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 -
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 £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 -
Thank you. Our cat has never been much of a hunter, and prefers to spend her time in the front garden. We get a lot of birds nesting in the neighbour's bushes, but this is the first year I'm aware they've been in our shed. They are in a plastic crate being used to shield the electrics as the roof leakssavingholmes 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, "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 -
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
"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 -
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."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 McGee6 -
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!
"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 -
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 £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 29/7/255 -
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 thoughsavingholmes 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. "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 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
"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 - Mine
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