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Thank you, he did enjoy itsavingholmes said:Hope he has a lovely time in
Eden
"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 -
Morning everyone! Working today, boo
Just a couple of interviews, but I think it will take most of the day til school run later.
I have done my first weigh in for SW and I lost 6lb! I'm so pleased, but I think it's probably been influenced by the fact I've felt unwell for the whole week and haven't much felt like eating. I've had far too many syns but I'm not stressing about those, I'm trying to make this something that is sustainable long term, and at least they've been used on food, rather than chocolate! It's things like using full fat yoghurt rather than fat free.
Cough's still here, I wish it would go! I had a better night Tuesday night, then an awful one Wednesday and I felt really ill yesterday. Last night was a bit better so at least I got some sleep. I'm missing the fact that I can't just sit in the sun and snooze today to catch up on some sleep, but maybe over the weekend. Little jwil has a birthday party to go to, and I'll pop in town to do a couple of things, but other than that I just plan on chilling and resting to hopefully shift this.
I received £30 cashback this week, but for once, rather than putting it to the mortgage I'm going to put it towards renewing my passport. The kids would like to go on Eurostar, so they will need passports, and DH and mine have expired. If we do one every month or two, it will soften the financial blow, and then maybe next year we can do the trip.
DH is talking about selling our van. I have been saying it for a long time. We've owned it since 2006 and had some lovely times with it, but we haven't really used it much for years, and haven't camped with it since little jwil was a baby. It's being used as a storage shed more than anything, and just rotting away. We haven't got the money to restore it properly, so I think it's time to let it go. We'll see how that goes.
Have a good day everyone!"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 McGee4 -
@jwil get well soon. Everyone is different but what worked for me to lose weight, enabling me to reverse type 2 diabetes, was a low carb diet. The consultant told me that fat isn't the villain but it's been cast as that and it's driving high-carb diets which in turn is leading to an explosion of diabetes. Fat doesn't necessarily make you put on weight. Food (ha ha!) for thought. Love Humdinger xx3
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Thank youHumdinger1 said:@jwil get well soon. Everyone is different but what worked for me to lose weight, enabling me to reverse type 2 diabetes, was a low carb diet. The consultant told me that fat isn't the villain but it's been cast as that and it's driving high-carb diets which in turn is leading to an explosion of diabetes. Fat doesn't necessarily make you put on weight. Food (ha ha!) for thought. Love Humdinger xx I am reducing carbs significantly, but not going proper low carb. I agree about fat and sugars though, hence ignoring the 'choose fat free' guidance. If I can lose some weight and then get my bloods done again, if it's not showing an improvement, then I will reduce carbs further, but I'd prefer not to have too much rigidity about what I can eat otherwise I won't stick to it at this stage! "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 -
Interviews done, I didn't finish til 2pm which was a bit annoying. Popped to Tesco to get my passport photos done and to grab something to eat before school. I got the photos sorted, I look like a serial killer
So I'll do that application over the weekend.
Very pleased that it seems we are eligible for the nationwide freebie, only by the skin of our teeth though! I opened a savings account in January and it only got to £100 in March so just scraped in.
Got to take the kids swimming now. Have a good evening."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 -
Great news on the Nationwide bonus.
Sadly I don't qualify 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 -
Great news on the £100. I am getting it too. Just scraped in.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 10/10/251 -
Hurrah for the SW loss and the NW bonus 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Thank you. Oh that's a shame you don't qualifybeanielou said:Great news on the Nationwide bonus.
Sadly I don't qualify
Thank yousavingholmes said:Great news on the £100. I am getting it too. Just scraped in. Glad you are getting it too.doingitanyway said:Hurrah for the SW loss and the NW bonus
Thank you Pleasantly surprised on both counts
"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 -
I think my cough finally might be turning the corner, hurrah. My chest feels looser today, and I even managed to sleep part of the night not raised up last night.
We were out and about this morning, and this afternoon I've been sitting in the garden. It's been a beautiful day, let's hope we have many more. Lovely and sunny but not too hot 🌞🌞🌞
We went to a May Fayre this morning and on one of the car boot stalls, there was someone selling lampshades that matched little miss's new curtains in her room. We got one for the pendant in her room which didn't have anything on it. Great find and good bargain!"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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