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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: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    You are on a roll. 😊
    Thank you, trying to achieve something while I'm off :D
    "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: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hello everyone :)

    Back to work and school today.  I'm not feeling great today, have a stinking headache and feel rubbish.  I'm hoping it's just anxiety related as it's been crazy busy today.  

    Little jwil went back to school today, he was a bit anxious about it, but seems to have had a good day.  We walked down this morning (one benefit of working from home!)  Then I had to be back with little miss at 10.30 for an hours stay and play session.  She loved it and is so confident and outgoing, she's a wonder to me!  I don't know where she gets it from.

    In between all of the school runs, I had to work, with deadlines for 2 reports and a meeting which clashed with the after school run.  So I've been a bit anxious about it all.  I was up and logged on early this morning to ensure I got my hours in, and managed to get the reports done.  I logged on to the meeting and then left my phone recording when I went on the school run, so at least I'll be able to catch up with that.

    I'm quite pleased with what I achieved while I was off, not as much as I had hoped, but still a fair amount.  One of the items I listed the other day is now selling for £70, so not a bad return for something I wasn't going to bother listing!

    I've managed to sit DH down and show him my pensions spreadsheet.  For someone who has always assumed he would never be able to retire, I think he was pleasantly surprised about the potential.  Once we both reach state pension age, we will have a decent income, so any savings we make will enable us to retire earlier.  I still want to aim for when I'm 55 :smiley:
    "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 am pleased you have a pensions spreadsheet. Goals are essential - even if you miss them you still get further than you otherwise would. It sounds like you are juggling a lot as always. Hopefully things settle down soon.
    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: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am pleased you have a pensions spreadsheet. Goals are essential - even if you miss them you still get further than you otherwise would. It sounds like you are juggling a lot as always. Hopefully things settle down soon.
    Thank you.  I'm annoyed about the news today that the age to access pensions is increasing but will have to factor that in again now.  I assume my LISA will change as a result 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What a fab milestone. Glad you had a nice time away first too. Brill that your knee is improving.
    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
  • Sorry I've been awol from your diary Jwil. I'm glad Little Jwil had a good first day back at school and I hope Little Miss settles in well at school.
    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
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