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2020 - 'Nothing in your life will change until you make the decision to change'
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Great progress. Can I ask, how do you declutter crisps?Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.5
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Eat them---I would!5
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Thank youin_need_of_direction said:Great progress. Can I ask, how do you declutter crisps?
That's DH. He buys a multipack but doesn't like one of the flavours, so he donates them. I don't think this is decluttering, but he insists on me adding it to the total 🙄
The sensible option - or not buying themPollie said:Eat them---I would!
"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 McGee3 -
I've just done 7 listings for DH.
We listed some stuff that we didn't think would sell back along, just on the basis that we couldn't get rid of it any other way. Someone bought 17 items last week and have now bid on another load this week! We sold a couple to someone else as well. It's funny isn't it! But that will clear a nice bit of space!
I feel rubbish today, just exhausted and lethargic. I've worked through a bit of my depression book this afternoon. I've also been mulling over a meeting I've got on Monday which I haven't been able to do the work for. I wasn't confident in the suggestion I had made, so did a bit of reading up on it this afternoon. I feel a bit better now, and I am happier with my reasoning. Hopefully that will stem some of the anxiety and give me back my weekend now.
I'm watching X Files on prime at the moment, so will sit down with a couple of episodes tonight I think. I watched some when it was originally on, but have never watched it all. So I've started right from the beginning. I'm enjoying 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 -
glad you’re getting some downtimeMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.5
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Glad you are feeling better about your advice. Try to make time to relax. Great news on the sales.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/254 -
I'm in awe of your ebay selling as always. Good news on getting rid of some clutter to the tip, I'm not sure I can face trying it yet.
I'm glad you feel better about the work meeting and I hope it goes well. I'm also glad that Little Miss is settling well into nursery again.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 hope you feel rested and relaxed soon If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
in_need_of_direction said:glad you’re getting some downtimesavingholmes said:Glad you are feeling better about your advice. Try to make time to relax. Great news on the sales.HairyHandofDartmoor said:I'm in awe of your ebay selling as always. Good news on getting rid of some clutter to the tip, I'm not sure I can face trying it yet.
I'm glad you feel better about the work meeting and I hope it goes well. I'm also glad that Little Miss is settling well into nursery again.
Thanks everyonedoingitanyway said:I hope you feel rested and relaxed soon
HHD - if you do decide to brave the tip, afternoons are quietest "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 -
So glad you got your files back - I dread that happening but don't want to pay for cloud storage5
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