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

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  • beanielou
    beanielou Posts: 95,655 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Awesome 👏 I hope you are proud of your 
    self. 
    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.
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Awesome 👏 I hope you are proud of your 
    self. 
    Aww thank you :)  I spend most of my time thinking about what's left.  I should focus more on what's gone really :)
    "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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great list. Wrapping !! Already?? Where's the blue emoji when you need it!
    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
    savingholmes said:
    Great list. Wrapping !! Already?? Where's the blue emoji when you need it!
    It's an ambition rather than a reality at the moment 😆  I would like to get it done though and just chill out in December!  It will depend on me not being too lazy though!
    "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
    beanielou said:
    You are just on fire. Awesome 😎 
    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
    I've had a fairly productive day off today. :)

    3 more parcels posted.  We went to pick up a few things ordered on click and collect, and then went to get a few bits of shopping and little miss's birthday cake.  I came home and sorted through everything, and I think that means I'm pretty much sorted for Christmas :)  I've ordered a few more bits, and I've made a start on wrapping the presents that need to be posted.  Wrapped little miss's birthday presents too.

    The kids brought home the cards they'd made at school and so I can now start writing them.  As we haven't had school photos this year, I took a picture of the kids and have ordered prints of that for the few members of the family that like to get them.

    I've had a look through some paperwork and discovered another small pension pot that DH had forgotten about.  Sorted out online access for some old accounts, and have written a letter to close an account that we can't access online, and the closest branch is 40 odd miles away. 

    I phoned up my car insurance to switch to annual direct debit rather than monthly, and whilst I was on the phone asked if they could do any better on price.  I managed a £20 discount so am pleased with that.  When I compared prices, most were coming out very similar to my renewal quote, so I'm happy with that result.

    I'm finally close to the end of the audio book of Troubled Blood.  All 31 hours of it!  I've got just under 2 hours left, and it's very gripping, so I need to find some quiet to finish it!  It's been brilliant, and the best of the Strike books yet.  I want to get the book now as well so I can read it straight through rather than dipping in and out.

    I spotted that BHF are offering a postal service for donations, so I might take advantage of that as I have a few decent things to get rid of.  Putting the link here so I can find it again. https://www.bhf.org.uk/shop/donating-goods/post-your-donations#how

    "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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