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2020 - 'Nothing in your life will change until you make the decision to change'
Comments
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Well done jwill we are so similar I feel from what you write. I think I will order that book x4
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Well done on eating healthier. That's fabAchieve 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 -
Thank youbeanielou said:Well done. I know how hard it is
It definitely is. I think I've put on this week as I haven't been following plan properly. However, I haven't been snacking and I haven't been eating loads of chocolate, so I'm pleased with that. If I can break the bad habits, then maybe I can focus more on the plan later. "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, I agreeBalanceBy50 said:Well done jwill we are so similar I feel from what you write. I think I will order that book x Good luck with the book, I think it is helping me.
savingholmes said:
Thank youWell done on eating healthier. That's fab It's not perfect by a long stretch, but it is an improvement so I'm counting 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 McGee4 -
Happy weekend everyone
We've got a quiet weekend at home this weekend, and I'm really looking forward to it. Apart from swimming tomorrow I plan on going nowhere.
So the plan for this weekend is just a bit of pottering around, some decluttering and some chilling out. I had an Iceland shop delivered this morning, and I plan on doing a meat order for the freezer. I've spent the last few weeks stocking up a bit so that I don't need to go out much this winter. We'll still go out for walks and stuff but not much otherwise. It would be really nice to get the house a lot more emptied by the spring.
I'm also starting my Christmas shopping, it will be nice to have that completed nice and early too, so I can just chill out
This week I managed to move all the shoes out to the porch. It means the hallway is nice and clear now, and we don't have to climb past piles of shoes and school bags when we come down the stairs. Another small thing that makes a massive difference!
DH has a load of listings prepped, so will try and get some of those done to encourage him to keep going.
The neighbours have dropped the bill in for the fence. DH will drop that off later. It was £170 so we were happy with that. It looks so much better, it was worth it.
Hope everyone has a good weekend "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 -
Enjoy your weekend 😊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 -
Well done on not snacking. I've always struggled with this, especially if there is chocolate or biscuits in the house!jwil said:
Thank youbeanielou said:Well done. I know how hard it is It definitely is. I think I've put on this week as I haven't been following plan properly. However, I haven't been snacking and I haven't been eating loads of chocolate, so I'm pleased with that. If I can break the bad habits, then maybe I can focus more on the plan later.
Have a good weekend 😊LBM Aug 2017.
Debt at LBM - £30,055
Debt at highest - £43,148.59
Current debt - £18,880.00
EF - £1,000.00
Challenges
PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.5 -
Glad the fence bill wasn't too high.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 -
Thank youbeanielou said:Enjoy your weekend 😊 You too
Thank you. Yes, this is my big downfall as well. You have a good weekend tooAdventureWanted said:Well done on not snacking. I've always struggled with this, especially if there is chocolate or biscuits in the house!
Have a good weekend 😊
It was a relief, that's for sure.savingholmes said:Glad the fence bill wasn't too high."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 -
I made a start on the airing cupboard yesterday. A few bits gone and a lot more space! I also solved the mystery of little jwil's missing school socks, finding them shoved in a box under his bed 🙄
The kids had fun yesterday going through the Smyth's catalogue choosing what they want for Christmas. I shall now whittle down the lists and start getting stuff in.
I did a Muscle Foods order yesterday so that should be here next week and the freezer will be full. Today I've done a bit of baking so we have fruit cake and tiffin.
I've done a few listings for DH, will try and get some more done later. He's finally tackling a pile of novelty books he wanted to look through before he got rid of them. That will clear some space on one of his bookshelves, and hopefully encourage him to do some of the other books (he's not a reader so they stick around forever).
My expensive item has finally been delivered, and I've received positive feedback, hurrah!"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
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