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

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  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I took advantage of the TU clothing sale this week and ordered nearly all the school uniform we'll need for little miss and little jwil.  That arrived today, so I don't need to worry about that now.  I'll have to get little miss a book bag, and possibly a logo'd jumper for each of them, then it will be school socks, PE kit and shoes etc, but that's me fairly organised for once!
    "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
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,243 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hurray for little Jwil learning to ride his bike, he must be proud of his little self. I love the look on little ones faces when they achieve something and could burst with pride,
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on gewtting rid of all the staff.
    Fab news for Master jwil  :smiley:
    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.
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    pennywisepoundstupid said:
    Hurray for little Jwil learning to ride his bike, he must be proud of his little self. I love the look on little ones faces when they achieve something and could burst with pride,
    beanielou said:
    Great news on gewtting rid of all the staff.
    Fab news for Master jwil  :smiley:
    Thank you, we are so pleased and so is he!
    "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
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I had a little flurry of PA surveys yesterday and so have just cashed out £6.68.

    I'm trying to finish these listings I started yesterday.  DH is talking about going to the beach, but I'm not sure it's worth it if there are no toilets open.  We'll take the kids out on their bikes.  Now to start convincing little miss to have a go on two wheels.  She is adamant she doesn't want to :lol: 
    "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
  • Doris17
    Doris17 Posts: 925 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    Good morning, 
    The title of you diary caught my eye, subscribed and going to sit down later and have a read.
    D.x

    "Make Everyday Count"



  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fab decluttering and congrats to little Jwil on learning to ride a bike
    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: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Doris17 said:
    Good morning, 
    The title of you diary caught my eye, subscribed and going to sit down later and have a read.
    D.x
    Aww thank you :)  Sorry it's not very interested.  Good luck :)

    savingholmes said:
    Fab decluttering and congrats to little Jwil on learning to ride a bike
    Thank you :)
    "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
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another lovely day today :)

    Dh sold a load of stuff yesterday so I'm busy packing.  We'll use the courier again to get it all collected.  I did 40 listings for him yesterday, but not convinced how many will sell.  Might as well try while we can't get rid of it any other way.

    No real plans, I doubt we'll be venturing far as everywhere is likely to be busy.

    Hope everyone is well :)
    "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
  • WhySeaEm
    WhySeaEm Posts: 127 Forumite
    100 Posts Second Anniversary Name Dropper Combo Breaker
    jwil said:
    I took advantage of the TU clothing sale this week and ordered nearly all the school uniform we'll need for little miss and little jwil.  That arrived today, so I don't need to worry about that now.  I'll have to get little miss a book bag, and possibly a logo'd jumper for each of them, then it will be school socks, PE kit and shoes etc, but that's me fairly organised for once!
    Oh this has just made me realise there's no way LBs uniform is going to fit him in September! It was already on the edge and he always sprouts up over the summer. 
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