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2020 - 'Nothing in your life will change until you make the decision to change'

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  • I agree about you being positive Jwil :). I don't mind a four week long down as I tend to only see family or go on days out in the school holidays, but if it lasts over the Christmas holidays then I'll feel sad at not being able to see family and go for walks at the NT, etc.

    I expect half term has rested you even if you feel you haven't done very much. Good news on the ebay sales and I hope you can clear some more of DH's clutter before Christmas.
    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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope DH's job turns out okay
    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
    Hope DH's job turns out okay
    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
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi everyone, hope all is well.
    DH is now furloughed for the month.  Hopefully he'll be back after that.  It's a relief that the furlough support has been extended to March as well, just in case.

    It looks like we will be dipping into the house fund sooner rather than later :(   The only plug socket in the kids room has stopped working properly and so I'm not going to risk using it.  So we need to try and find an electrician now.  The electrics worry me in this house, so I want to try and start getting them sorted.   Of course we can't do it with DH's stuff everywhere so he's been told he's got to clear more so that we can get on with it.  

    In exciting news, my first default falls off my credit report this month!  It's gone from one already, but not from the other.  This one defaulted much sooner than the others, so I'll lose a couple more next year, and a couple the following year.  It's the start of it all improving though! I just need to try and get saving for some F&Fs so the debts can be gone.
    "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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