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2022 - Moving forward

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Comments

  • another_casualty
    another_casualty Posts: 6,506 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Congratulations on getting work from home 😼👍

    In my last place of employment , there was no window in the “office” .

    I count my blessings  that I made a great escape 🙏🧎

    Stay cool all !

    I’ll leave it there 🥵😼
  • beanielou
    beanielou Posts: 96,849 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on WFH & the PAD :)
    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.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Good news on WFH & the PAD :)
    I agree. Have a good week.
    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 10/10/25
  • jwil
    jwil Posts: 22,553 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    NeverendingDMP said:
    Well done on the pad. And being able to work from home. We were v hot at work today, especially as it's masks back on again. In a heatwave, arrgh
    Thank you.  Oh, that sounds like a nightmare! Poor you :(

    doingitanyway said:
    Oh well done for getting WFH all week. Wish it was me!
    Thank you!  Hope you manage to get some soon.


    "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: 22,553 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    another_casualty said:
    Congratulations on getting work from home 😼👍

    In my last place of employment , there was no window in the “office” .

    I count my blessings  that I made a great escape 🙏🧎

    Stay cool all !

    I’ll leave it there 🥵😼
    Thank you :)  Oh my goodness, no window?  That must have been awful.  Great for getting out of that!

    beanielou said:
    Good news on WFH & the PAD :)
    savingholmes said:
    beanielou said:
    Good news on WFH & the PAD :)
    I agree. Have a good week.
    Thank you both :)  Have a good week yourselves :)
    "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: 22,553 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £6
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £65
    "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: 22,553 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm so pleased I can work from home this week, I recognise that I am very lucky to be able to do so!

    I've got a busy day today, but if I manage to get some decent time for a lunchbreak I'm going to try and sort out the old uniform.  The kids are in PE kit all week, so I just need to leave the minimum for next week.  I can then donate the old stuff to school on Friday, and anything that's not in great nick can go in the clothing bank.

    Try and stay cool folks.  At least WFH means I've got access to the freezer and lots of ice (and ice cream!) :grin:
    "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
  • NeverendingDMP
    NeverendingDMP Posts: 2,358 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    jwil said:
    I'm so pleased I can work from home this week, I recognise that I am very lucky to be able to do so!

    I've got a busy day today, but if I manage to get some decent time for a lunchbreak I'm going to try and sort out the old uniform.  The kids are in PE kit all week, so I just need to leave the minimum for next week.  I can then donate the old stuff to school on Friday, and anything that's not in great nick can go in the clothing bank.

    Try and stay cool folks.  At least WFH means I've got access to the freezer and lots of ice (and ice cream!) :grin:
    Hope today goes okay. I had an ice cream at work yesterday, so was very lucky, the matron who over sees our building treated us all. Hope you don't get over busy x
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 nov 25- just over 64k

    June 25 Debts in my name were £5170. Now 7150 (Nov 25)
  • jwil
    jwil Posts: 22,553 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    NeverendingDMP said:
    jwil said:
    I'm so pleased I can work from home this week, I recognise that I am very lucky to be able to do so!

    I've got a busy day today, but if I manage to get some decent time for a lunchbreak I'm going to try and sort out the old uniform.  The kids are in PE kit all week, so I just need to leave the minimum for next week.  I can then donate the old stuff to school on Friday, and anything that's not in great nick can go in the clothing bank.

    Try and stay cool folks.  At least WFH means I've got access to the freezer and lots of ice (and ice cream!) :grin:
    Hope today goes okay. I had an ice cream at work yesterday, so was very lucky, the matron who over sees our building treated us all. Hope you don't get over busy x
    That's good you got an icecream.  I managed to avoid the freezer so far, but not for long 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 McGee
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It has been hot today - but not as bad as yesterday. 
    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 10/10/25
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