We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Demotivator Tool

124»

Comments

  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The demotivator does show a couple of areas (10-12) that could do with some work. We are apparently spending £2850 on snacks, drinks, dvds, fast food, take aways, eating out, computer gaming and treats for kids.

    We owe £20K roughly .... hmmm
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • izzy1969_2
    izzy1969_2 Posts: 4 Newbie
    Hi there

    Fantastic (but also very very scary!!). Any plans to make it a downloadable widget to keep on your desktop?

    Thanks!

    Izzy
  • nzseries1
    nzseries1 Posts: 2,240 Forumite
    £40,000 over my working life on chocolate? Go figure!
    Think what I could do with that!
    You're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.
  • Claudus
    Claudus Posts: 1 Newbie
    I always knew I needed to quit drinking, now I really know I have to!
  • Miss149
    Miss149 Posts: 63 Forumite
    Love this! over £2,000 on magazine's.... EEEEK! See you later Vouge!
    Complete Crazy Clothes Challenge £80/£100 :T

    Sealed Pot Challenge #1717! £30.16 :D
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture