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

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  • Glad you enjoyed your walk Jwil :). Very sobering seeing the new cemetery though, I do hope it won't be needed. I thought it was much colder this morning too.

    Hopefully we'll all be super fit when lockdown ends :).
    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: 21,926 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you enjoyed your walk Jwil :). Very sobering seeing the new cemetery though, I do hope it won't be needed. I thought it was much colder this morning too.

    Hopefully we'll all be super fit when lockdown ends :).
    Yes, it would nice to be fitter!
    "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
    Hope you get the school you want. Good for the kids to enjoy the great outdoors in the sun.
    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
  • Hope you manage to get the school you want, have a great day xx
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad  little miss got in where you wanted. Great that you got a delivery slot too. Have fun home in the sun.
    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
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