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2022 - Moving forward
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We've had a busy morning this morning, I feel like we've made some progress!
The kids looked through their box and identified everything that they wanted to get rid of. DH has prepped some of it for listing. That cleared one slot in the storage, so I managed to clear some space in their room for another box, and then use the two sections in the storage for all the stuff that has been stacked on the floor since little miss's birthday and Christmas. The floor is clear, there is more space again, and stuff is going - all good
I took all the photos for the items I was planning on listing as well. I'll try and get some on later.
We've had a roast for lunch, so I won't need to cook tonight. I'm just going to clean up the kitchen and then chill out this afternoon.
Have a good afternoon "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 McGee5 -
Always good when the family cooperates on decluttering. I need to continue but have had a fairly chilled day today.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/255 -
That's all great 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.6 -
Glad you've had a chilled daysavingholmes said:Always good when the family cooperates on decluttering. I need to continue but have had a fairly chilled day today.
Thank youbeanielou said:That's all great "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 McGee5 -
Hope everyone is well. I've been feeling grotty again, so cooked a big batch of soup this morning and had some for breakfast. I was supposed to be booking a repeat kidney function test but the GP surgery still aren't doing non-emergency appointments.
I forgot to rebook little miss's flu vaccine as well.
My work mojo has slightly returned again which is good. My line manager reminded me I had two days leave to use by the end of the month, so I've booked those and hopefully will have a couple of days to myself.
I've done some listing, 25 items, and still some more to get on. I've also made the effort to do some tidying as well. I always feel better if I do some small things and keep on top of it, I don't know why I don't."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 McGee5 -
Yah to listings 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.4 -
You must be the only person who classifies 25 listings as a small thingMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.5
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I agree. Well done. 2 days leave coming up sounds nice.in_need_of_direction said:You must be the only person who classifies 25 listings as a small thingAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/254 -
25 listings is a lot of work, well done! I hope you feel better soon.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/p16 -
Your finances are looking good at the moment, especially the pension.
Your advice for the diabetes sounds sensible and walking to school is a good way to get your exercise in.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS6
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