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

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Comments

  • That's really good of the rainforest people to replace Little Jwil's tablet and Little Miss's writing is very good 🙂, I've seen worse in Year 2.
    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
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    I love phonetically written things! My youngest is the best at writing total jibberish that makes complete sense. We've restarted ballet as of last night too. Glad your little ones are settling in to all their bits again xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • jwil
    jwil Posts: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's really good of the rainforest people to replace Little Jwil's tablet and Little Miss's writing is very good 🙂, I've seen worse in Year 2.
    I was very pleased and surprised about the tablet.  I think it helps that little miss really wants to be able to read and write and so is constantly doing notes and lists.  Little jwil on the other hand is a real battle and is not interested at all.

    beanielou said:
    That list is so so sweet. 
    Thank you :)  I really liked it.

    Kitten868 said:
    I love phonetically written things! My youngest is the best at writing total jibberish that makes complete sense. We've restarted ballet as of last night too. Glad your little ones are settling in to all their bits again xxx
    I love it too, sometimes it takes a while to figure it out, but when you do it makes perfect sense!  Glad your groups have started up again, it's nice to be back doing things.
    "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: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the tablet replacement. Little Miss's list made me smile 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
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