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

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  • That's great news on your week off, especially now we're allowed to go further afield :). Well done on doing all those listings.
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your time off. 
    Thanks too for the birthday wishes.
    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
  • jwil
    jwil Posts: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    teapot2 said:
    Hope you manage to get your rubbish away.  Our recycling centres open next week and theres strict limits about how much and what you can take ie only 5 bags max, nothing bigger than a toaster and you have to make an appointment not just turn up.
    beanielou said:
    Our recycling centre is still closed. 
    Ours has been open a couple of weeks now, it's just rubbish, garden waste, large electrical items and chemicals.  We had a look on the queue camera and it was dead so DH nipped off.  It's all gone now, hurrah!  We wanted to avoid the initial rush so have kept hold of it.  We still have the recycling stuff and will store that until it fully opens again.

    I did do a bit in the garden this morning, but it kept flitting between sun and suddenly chucking it down for a few minutes, so kept running in and out, and eventually gave up.
    "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 McGee
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