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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
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 -
What does your full house fund mean? Can you start looking at home improvements? Electrics and windows? It really is fantastic news jwil. I hope that helps with your mental health regarding it all. I'm so impressed with you. You've cleared your own clutter and you've done so well and pushed your oh to get his clutter gone too. He certainly has taken it all on seriously and your being so patient supporting him. Overall you should be so proud.
I've hit a wall with decluttering. It's really hard when you can't donate anywhere but you haven't given up. You have kept pushing and you're fantastic. XxxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138006 -
Thank you everyone
It's an emergency fund for the house. We are not in a position to get it all done yet, but if something breaks and needs fixing urgently, there won't be that feeling of dread about how on earth are we going to pay for it! It will also be there for when we can start getting stuff done too.Kitten868 said:What does your full house fund mean? Can you start looking at home improvements? Electrics and windows? It really is fantastic news jwil. I hope that helps with your mental health regarding it all. I'm so impressed with you. You've cleared your own clutter and you've done so well and pushed your oh to get his clutter gone too. He certainly has taken it all on seriously and your being so patient supporting him. Overall you should be so proud.
I've hit a wall with decluttering. It's really hard when you can't donate anywhere but you haven't given up. You have kept pushing and you're fantastic. Xxxx
It is harder at the moment, not being able to get rid of stuff so easily. We're trying to focus on stuff where we can still get rid via ebay etc and trickling out to charities as we can."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 cashed out from PA and received a refund for some trousers I ordered that arrived with a hole in them. I will reorder the trousers but that can wait until next month. That's a little top up to my bank account, very welcome.
I've just applied for the working from home tax break, so will have a couple of £ extra in my salary. It's nothing major, but every little helps!
It's wet and miserable here and I have no plans to go anywhere this weekend! It's DH's turn to take the kids swimming, so I am thinking a nice snuggly weekend, out in my favourite chair out the back where I can see and listen to the rain, and read a book. I might do a bit of baking too. Little miss asked if we could make a rainbow cake. That's way out of my skill set, but I'm sure we can make something.
Hope everyone has a good weekend and stays safe in this weather. A tree fell right outside the school gate at drop off time yesterday, 😱 luckily thanks to the staggered starts it would have been much quieter than normal and no one was hurt."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 -
Have a happy 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 -
I hope you are enjoying your snuggly weekend.jwil said:It's wet and miserable here and I have no plans to go anywhere this weekend! It's DH's turn to take the kids swimming, so I am thinking a nice snuggly weekend, out in my favourite chair out the back where I can see and listen to the rain, and read a book. I might do a bit of baking too. Little miss asked if we could make a rainbow cake. That's way out of my skill set, but I'm sure we can make something.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Thank you, it was nice just to chill outdoingitanyway said:I hope you are enjoying your snuggly 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 McGee3 -
Glad everyone was safe in the tree incidentAchieve 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 yousavingholmes said:Glad everyone was safe in the tree incident Yes, it is good. "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 McGee3
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