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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Great eBay sale.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.4 -
Book sounds really interesting.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.4 -
Enjoy the book. glad little miss is settling in at school.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 -
beanielou said:Great eBay sale.
Thank youbeanielou said:Book sounds really interesting.
Yes, it's an interesting read, I guess the challenge is whether I make the effort!
Thank yousavingholmes said:Enjoy the book. glad little miss is settling in at school. "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 -
Hope everyone is well I haven't updated for ages.
Still waiting for my ebay sale to be delivered, I just want to know it's arrived safely!
My car passed it's MOT, hurrah! No advisories either. So the bill including MOT and service was only a little over £200. Fab! I even gave it a good clean inside beforehand, so it feels quite luxurious at the moment.
I've had to buy little miss some new school dresses already! I did buy earlier this year, but bought a size up. However, she seems to have had a growth spurt and it's too difficult for her to change for PE etc without help, so I'm trying a different style. I'll give the existing ones to the school to sell on.
I'm back trying to lose weight. I read through this book https://www.amazon.co.uk/dp/B007PRZN4Y/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1 and am now working through it along with following SW. I think it's really going to help me as long as I stick to it. I started on Monday, and have stuck to plan 100%, not snacked and have not touched chocolate. Going back to the title of my diary, I've got to do something different if I want things to change. So I am following the steps in the book, recording what I am eating. I've also changed the measurement on my scales from stones to lbs. It's a really small change, but helps me, as I can't automatically translate the lbs into stones, so it doesn't depress me so much
It's early days, but I'm already down over 4lb which I know is likely fluid, but I'm not complaining! "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 McGee6 -
4 lbs is great 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.4 -
4lb is a great result - as is the car getting through the MOT.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 -
beanielou said:4 lbs is great
Thank you bothsavingholmes said:4lb is a great result - as is the car getting through the MOT. I've found it a bit harder today but still stuck to plan, so I'm pleased. "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 -
Some days are easier than others.She says eating a Magnum!!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.4 -
Definitely! I hope you enjoyed the Magnumbeanielou said:Some days are easier than others.She says eating a Magnum!! I've struggled again today, but have mostly stuck to plan. Little miss found a packet of Wispa Golds in the cupboard, I didn't know I had them! I may have had one, but that's a miracle for me just stopping at one. "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
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