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2022 - Moving forward

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  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £8
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £106
    "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
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    "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
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    June update:

    Debts:
    1. £3,580/£3542
    2. £4,654/£4610

    Total: £8,234/£8152

    Mortgage - £100,977.96/ £97,059.58

    Savings:
    LISA: £1029.33
    Premium bonds £675
    Emergency fund: £133.14 
    Cash Buffer: £430
    House improvement fund: £60
    "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
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Declutter update:

    221. Pen
    222. Hairclip
    223. Artwork
    224. Paperwork
    225-226.  McDonalds toys
    227. Bundle of cards
    228. Gift bag
    229. Book
    230. Gift bag
    231. Pen
    232. Ball
    233-242. Photos
    243. Model clay
    244-250. Pairs shoes
    251. Motorcycle coat and liner
    252-258. Clothing
    259. Craft bits
    260-261. Boxes
    262. Cardboard
    263. Artwork
    264. Leaflets
    265. 2kg Lego
    266. Handkerchief
    267. Cutlery knife.

    Declutter totals: 
    Magazines/papers: 47
    Ebay parcels: 133
    Other: 267

    Total: 447

    Ebay listings: 105

    Survey/other earnings:
    Amazon: £40
    Paypal/cash: £121.82
    Other vouchers:£0
    "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
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy payday!

    I've done the financials and updated the declutter list.  Not bad!

    I had a very spendy month last month, so need to try and rein it in as I've spent a lot of my wages refilling pots!  Savings etc have still increased though so not too bad.

    My coverless duvet arrived the other day, it's fab!  Surprisingly warm considering how lightweight it is.  I'll try washing it in a couple of days, see how it goes. 

    I've been off the chocolate since 12th June.  That's hugely impressive for me!  I haven't really missed it which is amazing.  So now it's time to think about what the next small change is going to be, and it's a bit of a double stranded plan. 

    I was reading about time restricted eating, and there were some suggestions that a 10 hour eating period (finishing no later than 8pm) and 14 hour fast was the sweet spot on positive results for this, and there didn't seem to be a lot of benefit on a shorter eating period.  Plus 10 hours seems more manageable. So I've decided to try this.  I am hungry in the morning, so not one for missing breakfast, so my eating period is going to be normally 9-7pm so I can have breakfast after I drop the kids at school.   

    The other thing for controlling sugars is to reduce snacking.  If I do the time restriction, then I can eat 3 proper meals and the gap between them isn't huge, so there's no reason for me to be grazing.

    So that's this month's plan.  Apart from not buying chocolate bars, I'm eating normally, with loads of fruit and veg.  The book reckoned that people had improvements in their bloods and visceral fat, even if they didn't change their diets, just restricted the time, and didn't graze.  Fingers crossed!
    "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
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Happy payday. Well done on the savings increase!
    stopping grazing is a good idea. I tend to only eat once a day….from the minute I wake up until I go to sleep 😕
    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/p1

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck on TRE. I'm sure you'll let us know how you get on. 

    Well done on the PADs
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    WinterWarrior said:
    Happy payday. Well done on the savings increase!
    stopping grazing is a good idea. I tend to only eat once a day….from the minute I wake up until I go to sleep 😕
    That is definitely me too!

    savingholmes said:
    Good luck on TRE. I'm sure you'll let us know how you get on. 

    Well done on the PADs
    Thank you :)
    "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
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £2
    "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
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Friday everyone!  It's still a huge novelty having Fridays off.

    Most of the bills have come out so I know what's left for the month, and hopefully can have a more frugal month.  I've got a couple of birthdays, but have already bought gifts for two, so just one voucher and card to get.

    Today I'm going to have a chilled out day to myself, as we've been busy the last few weeks.  Just potter around, maybe do a bit of tidying/decluttering/gardening.  I did manage to clean and tidy through yesterday, so don't have to do housework before I can start anything else!  I can just do something that will make a small difference to the house.

    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 McGee
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