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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Well done for your buying self restraint Jwil
. I have mixed feelings about buying online; part of me thinks about protecting workers' health and part of me thinks about protecting jobs for the future when this virus is sorted. It all depends upon how well the retailer practices social distancing and protecting their staff, etc.
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 -
I too have mixed feelings about ordering but am working on the basis that I will probably order stuff until or in case at some future point they stop delivering... It does help the economy.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 -
HairyHandofDartmoor said:Well done for your buying self restraint Jwil
. I have mixed feelings about buying online; part of me thinks about protecting workers' health and part of me thinks about protecting jobs for the future when this virus is sorted. It all depends upon how well the retailer practices social distancing and protecting their staff, etc.
savingholmes said:I too have mixed feelings about ordering but am working on the basis that I will probably order stuff until or in case at some future point they stop delivering... It does help the economy.
Judging by my ever increasing list, I'll be on a shopping spree once this all eases off a bit 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 McGee5 -
Good to catch up jwil - have a good week x5
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brizzlegirl said:Good to catch up jwil - have a good week x"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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I've had a fairly active morning which is good
Went out for my walk earlier and saw the sun coming up again. It was blooming freezing though
I walk past a cemetery and there is a field attached to it. They've started digging graves in this field to provide additional capacity for Coronavirus. It's very sobering to see, and an incentive to stay at home. It would be nice to think they do not end up being needed.
Since then, the kids have been out for their walk, they joined in with me doing a Joe Wicks workout and then they did little miss's dance class which has been put online.
I've put the kid's bedding in the wash and will do ours tomorrow.
Last night I watched The Breakfast Club on Netflix (love that film!) and started watching Tiger King as well to see what all the hype is about. I only saw the first episode, but enjoyed it."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 -
That does sound very sobering indeed
well done on getting out for your walk even in the colder weather
x
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Good to get your walk in - but as you say a sobering sight. We are staying home as much as we can - only 1 trip out in the last 7 days and that was for food and medicine by DS - although DH ended up going in to pay as DS had forgotten his card.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 -
It's good that you went for a walk again. It's definitely sad to think of the additional grave space needed 😢.Have you and the children enjoyed the Joe Wicks workouts? My DH has been doing it most days with the DC. He's hoping that he'll be super fit once lockdown is over! Hope you've had a good rest of the day.xLBM Aug 2017.
Debt at LBM - £30,055
Debt at highest - £43,148.59
Current debt - £18,880.00
EF - £1,000.00
Challenges
PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.5 -
SSDD23 said:That does sound very sobering indeed
well done on getting out for your walk even in the colder weather
x
It should be warmer again tomorrow thankfully!
savingholmes said:Good to get your walk in - but as you say a sobering sight. We are staying home as much as we can - only 1 trip out in the last 7 days and that was for food and medicine by DS - although DH ended up going in to pay as DS had forgotten his card.AdventureWanted said:It's good that you went for a walk again. It's definitely sad to think of the additional grave space needed 😢.Have you and the children enjoyed the Joe Wicks workouts? My DH has been doing it most days with the DC. He's hoping that he'll be super fit once lockdown is over! Hope you've had a good rest of the day.xIt's quite difficult! They've been going out for a walk instead. It popped up on my FB so I was doing it when they came home and they joined in as there wasn't long left. Little jwil's pe teacher has been putting stuff on too, so there's plenty of variety for them.
"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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