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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: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Glad that is you about done :)
    Thank you, it's a relief!
    "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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the idea of using the dog's cool pad for the kids. Our kids were fighting over a watermelon one we have the other week!
    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
  • dawnybabes
    dawnybabes Posts: 3,356 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    We e got the doggy coolpads under our pillows, makes a huge difference, 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the idea of using the dog's cool pad for the kids. Our kids were fighting over a watermelon one we have the other week!
    We e got the doggy coolpads under our pillows, makes a huge difference, 
    They are amazing aren't they!
    "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: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I did the 111 coronavirus symptom checker for little jwil yesterday and it said there was no need to get him tested or for us all to isolate so that's good news.  I assumed that as soon as I put in 'cough' it would tell us to do so, but it asked a lot of questions about the type of cough and frequency etc.

    I also had a call back from my GP surgery about my knee pain.  They said that it all sounds ok, but it will likely to take several weeks to stop hurting.  I'm to give it another month, and if it's not improved, they'll give it a good check over.  They did offer to refer me to physio, but I said I'll give it the extra month first.  At least by then the kids will be at school so if I need to go anywhere I'll be able to do it on my own without having to drag the kids with me.

    Last night was a better night, so I'm still feeling shattered but not as bad as yesterday thankfully.  I did my covid test yesterday and posted it back.  I'm not sure if I've done it right as it said it had to go in the postbox an hour before last collection. That isn't possible for me, so I posted it earlier.  Hopefully it won't have wasted the test!

    I've booked a flu jab for me and DH at the end of September.  I shouldn't have to pay as the pharmacy will check eligibility, but even if I do have to, I'd rather get it earlier.  I tend to be at the end of the list at the doctors so get it quite late.  DH isn't eligible for a free one, but we will pay for him to have it too.
    "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
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Remember you would not get the physio right away. Why don’t you phone the surgery & get the referral put in. 😊
    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: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Remember you would not get the physio right away. Why don’t you phone the surgery & get the referral put in. 😊
    That's a good point, thank you!  I'll consider doing that :)
    "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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think requesting physio is a good idea. Be They will refer you on if they have concerns
    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: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think requesting physio is a good idea. Be They will refer you on if they have concerns
    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
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