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

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  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad DH is at least getting furlouogh and decluttering. I too think you are a wonder with ebay. Good the defaults are dropping off too
    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 10/10/25
  • jwil
    jwil Posts: 22,481 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    jwil said:
    Kitten868 said:
    No one would consider you wasteful jwil. And I think its positive you know when something is beyond repurposing. Plus its good hes seeing just how useless it is to keep things so long. Xxx
    Thank you :)  I must say I've been guilty of keeping stuff because I don't want to put it in the bin too.  I do now realise that there's no point in using my house as a landfill site if nothing else can be done with the item!
    This is a good thing for us to remember :)
    I am guilty of keeping things in case something breaks down. 
    I'm the same and it's taken me many many years to change!  I now consider how easily I could replace something if I need to.  But it's also all those little bits of tat, that I don't want, a charity shop couldn't sell, and I couldn't give away.  I just have to realise they are bin fodder, and learn from it so I don't do it again!

    Glad DH is at least getting furlouogh and decluttering. I too think you are a wonder with ebay. Good the defaults are dropping off too
    Thank you.  We are all getting there slowly. :)
    "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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