We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2020 - 'Nothing in your life will change until you make the decision to change'
Comments
-
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 MONTHS4 -
Yes, it would nice to be fitter!HairyHandofDartmoor said: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."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 -
Walk done again this morning Still cold, but should be warming up later!
I've caught up with surveys and checked banks. Still loving to see the positive balance halfway through the month.
It's school notification day tomorrow. I will find out where little miss is going. Fingers crossed it's the same school as little jwil!
I have added the holiday club I use for childcare to the tax free childcare accounts for both children. Who knows if I will be using it this summer, but it will save a bit if I do."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 -
It does hit home when you see graves being dug in readiness
Fingers crossed you get the school that you want for little one Credit card debt - NIL
Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
Mortgage 64,513/100,000 End Nov 2035
2022 all rolling into new mortgage + extra to finish house. 125,000 End 20365 -
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 £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 -
Hope you manage to get the school you want, have a great day xx4
-
SusieT said:It does hit home when you see graves being dug in readiness Fingers crossed you get the school that you want for little onesavingholmes said:Hope you get the school you want. Good for the kids to enjoy the great outdoors in the sun.
Thank you everyonepennywisepoundstupid said:Hope you manage to get the school you want, have a great day xx I'm fairly confident that we will, but it's still nerve wracking! "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 -
Little miss got our first choice, yay! It's such a relief.
I've had a quiet day today, have been tired and haven't felt like doing anything. I did go for a walk with little miss earlier. She's really missing seeing people generally. This week she asked if she could sit on the end of our drive so she could see people as they walked past. She said hello to everyone we saw (from a distance) and was waving at all the cars. She's so much more sociable than me
I received my cloth sanitary pads today, they look great!
I also received a marvellous surprise in the post! A cheque for £350!!!!! Apparently one of my creditors didn't treat me fairly and so have refunded fees and charges and paid interest! I've no idea what they did, but it's one of my creditors that I did a F&F on so I got a cheque rather than a balance reduction. Double result
I managed to get a delivery slot for Iceland today, they sent me an email and I had a look on the website and there were some available. I've done a big shop which means I won't need to shop next week (assuming it all comes) so that's a relief. I had a big anxiety episode yesterday so am glad I can have a week off from going out again."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 McGee7 -
Good news on the school I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
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 £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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.6K Work, Benefits & Business
- 599.9K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards