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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Hope you recover quickly.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/254 -
Just catching up, SO relieved you got your photos and spreaddies back...my heart was in my mouth! Well done. £120 well spent there I’d say.Glad the Bay is going well for you. Reminds me I have a couple of items to list. Should get onto that.
have a great weekend and hope work is getting better x6 -
And hope you feel better soon, think falls like that always shock you, need to get over that as well as the actual cuts and bruises.6
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Thank you, no I don't. Maybe I should get some, thank you!beanielou said:Hope you have arnica & calandula cream.
Take care
Thank youHairyHandofDartmoor said:Sorry about your fall Jwill, I hope you heal up soon.
I'm glad Little Miss has four days in nursery now. How old is little Jwil? Little jwil is 7 now. "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 -
Thank yousavingholmes said:Hope you recover quickly.
Thank you! So was mine. I'm so glad, and lesson well and truly learned! I'm back doing my own work now, so much more in my comfort zone (and away from the complainers!)brizzlegirl said:Just catching up, SO relieved you got your photos and spreaddies back...my heart was in my mouth! Well done. £120 well spent there I’d say.Glad the Bay is going well for you. Reminds me I have a couple of items to list. Should get onto that.
have a great weekend and hope work is getting better x
Have a lovely weekend and good luck with the listing
Thank you, yes I was definitely in shock the first day!brizzlegirl said:And hope you feel better soon, think falls like that always shock you, need to get over that as well as the actual cuts and bruises."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 -
Thank you everyone for the replies.
Everything's still improving, and just my hand still painful now, but that's partly as it's my right hand and so I can't completely avoid using it!
I'm so glad it's the weekend. Nothing planned, but I might try and get out in the garden again.
We've had a lovely surprise treat package in the post today from my folks. Full of goodies, including Scottish Butteries! Funnily enough I'd downloaded a recipe the other day to try and make some as I fancied them. Now I don't have to.
"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 -
Oooh love a wee buttery
You can also get arnica ect in tablet form, shower gel..............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 -
Yes, I do too.beanielou said:Oooh love a wee buttery
You can also get arnica ect in tablet form, shower gel..............
Thank you. I'll have a look for some arnica, my hand is quite painful today."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 -
I've woken up feeling tired and 'meh' today. My hand is painful, I've got a bit of a headache and a lot of 'can't be a*sed'
I think I might have a day doing nothing today and hope I have some mojo tomorrow. I have done a quick check of our car breakdown renewal and although it's gone up it seems to still be around the same price as everywhere else.
I'm doing some photo organising, but it looks like the sun has come out briefly so I might go and sit by the window and get some rays. "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 -
Hope things improve. Pain can be a drag on mood if you are not careful.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/255
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