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2022 - Moving forward
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savingholmes said:Glad you had a positive time in Cornwall. Hope next week goes well despite being so busy.beanielou said:A break sounds just what you needed.
Hope your week goes well.doingitanyway said:Cornwall sounds great. Glad you had a good time. I like collecting sea glass like your DDanother_casualty said:Glad you had a nice time in Cornwall ..Sometimes I give up with pillows . I have to keep remembering to shake them around as it can be annoying when the pillows are like pancakes. 🥞
Hope the week goes well ...ladyholly said:I have a memory foam pillow that someone gave me years ago and although it is getting a bit flat now I love it. I put another ordinary but thin pillow under it and it is great."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 -
I'm so tired today. I did get off my lazy rear this morning though and walk the kids to school, so I'm pleased with myself. It is easier to do when I'm only doing one drop off/pick up, as I have to add that time on to my working day so it makes it a long day otherwise. I will make more of an effort though!
I have booked the Easter holidays off, so I've got two weeks off in a month's time. Can't wait!
I have also cashed out from PA so sent £6 to the mortgage."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 -
2 weeks off sounds like a dream currently. Can't want for my new holiday year to start in April!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 29/7/253 -
savingholmes said:2 weeks off sounds like a dream currently. Can't want for my new holiday year to start in April!"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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Today has been full on and I've got to log back in for the evening meeting in a bit. I'll just be glad to get today over. Tomorrow and Thursday are also tricky but Friday should be easier. Tomorrow and Thursday I have the pre-diabetes stuff, and tomorrow I've also got little miss's support meeting, so I'm looking forward to getting past those.
Paid a bit more survey money to the mortgage this morning.
We've had the reminder from the vet for the dog and cat's annual boosters, so we'll have to get those booked in.
"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 -
Hope your week gets easier.
Take care of you xxI 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.5 -
Hope the week eases up and the pre diabetes appointments go well.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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Hope the pre diabetes thingy is ok.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 -
Hope your medical appointments / training goes well and little Miss's support meeting.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 29/7/254 -
Thank you everyone. I'll be glad to get to lunchtime today, then it's all over! My phone call appointment yesterday was ok, it was a bit like someone purely reading from a script though, so I'm hoping the group sessions are a bit more personal! I certainly didn't come away with any motivation to make changes.
I've had little miss's appointment, and they are putting in place support for a few things. They are suggesting ASD traits and giving me the option of getting her assessed. I'd be interested in hearing people's thoughts on that. I don't know enough about it and the benefits/cons. School are going to give me some reading material on autism in girls which will hopefully help. She's bright, happy, has no problems interacting with adults, but struggles with her peers. She overthinks things, and can struggle to handle her emotions/anger. I guess I've always assumed she would develop as she grows up, and I've never considered that she might need additional formal support. I don't want to label her unnecessarily but if this will make things smoother for her as she grows up, then I guess it's better to start earlier. Any advice gratefully received!
I finally managed to cash out on i-say so have a £5 amazon voucher. I've sent the equivalent to the mortgage.
I've had a letter back from one of my F&F offers, asking me details of my housing, how much equity and how much mortgage I have left. I've replied telling them to mind their own businessso I guess that offer isn't being accepted
I'll just have to pin my hopes on the other one, and just carry on as normal for now.
"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 McGee6
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