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The fact that your clothes were well used and needed replacing make the spends perfectly justified.Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
Thank you, I'm quite pleased with it (well hopefully when it all turns up!)beanielou said:That’s is not a bad spend at all."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 McGee1 -
Thank youWinterWarrior said:The fact that your clothes were well used and needed replacing make the spends perfectly justified.
I'm no fan of clothes shopping so try to eke it out as long as I can! "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 McGee1 -
Replacement spending. You can't argue with that
Glad you made it to the beach and had a good time.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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Thank youdoingitanyway said:Replacement spending. You can't argue with that
Glad you made it to the beach and had a good time. "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 McGee2 -
First top has arrived and it's lovely so that one was a good buy.
I've finally labelled up all the school uniform so that's all ready to go now.
The dryer was playing up today. I had too much in there, so hoping it's just that. I'll try it again under supervision tomorrow. It's been pretty wet today so not a good day to decide to do our bedding!"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 -
My spare room is like a chinese laundry.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.2 -
Glad you invested in some new things for you. Good that you made it to the beach tooAchieve 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 10/10/251 -
It looks like it's meant to be dry today so back out on the line for it. The TD can wait for another day!beanielou said:My spare room is like a chinese laundry."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 McGee1 -
Thank yousavingholmes said:Glad you invested in some new things for you. Good that you made it to the beach too "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 McGee1
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