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2022 - Moving forward
Comments
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savingholmes said:That's a very nice payment. Was it a long session?another_casualty said:Also sorrry about job relocation ..
It sounds like you're not going to amalgamate with another company , which has its challenges .Hope things improve .Sarahwithlove said:Wow mortgage overpayments are going well. I may need to try this PAD thing. Do you just use money you have made or do you round down accounts etc?"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 -
Today's PAD - £2
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £93
"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 -
Well done on the PADs.
That focus session was really well paid.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Funnily enough I did a free foccus session for Sc Gov yesterday!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 -
savingholmes said:Well done on the PADs.
That focus session was really well paid.beanielou said:Funnily enough I did a free foccus session for Sc Gov yesterday!"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 -
Hope everyone is well. It's the end of another week for me, and one day left at school for the kids
I went to see little jwil playing the trumpet today. He did so well bless him, I'm glad I managed to go given that I was barely aware he was learning it!
We've got a busy weekend ahead - 2 birthday parties, meeting up with friends. The usual swimming etc.
My work laptop has been delivered today, but sods law it arrived the one hour I was out! It's been delivered to a neighbour who I don't know, and they aren't home. It's clearly visible in their porch, I'm getting a bit anxious. I looked on the website this morning when I saw what time it was due and it wouldn't let me rearrange delivery, but it said it would be taken to a post office. That would have been much better!
I've emailed my GP today to ask to come off my anxiety meds. I've been a lot better for months now. I was also looking for the side effects yesterday online and found several studies where they are linked to a higher risk of diabetes. I don't need anything adding to my risk, even if it's small, so that confirmed for me what I'd been contemplating for a while.
My focus for tomorrow is to try and find my work badge. It needs to be converted to a pass when we move, and I can remember exactly where it was when I last saw it, but I can't find where I moved it to. It must be here at home somewhere. It's been agreed that I can have my office chair at home as well, so that's great news. It's so comfortable and I've had it for years!
"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 -
jwil said:savingholmes said:Well done on the PADs.
That focus session was really well paid.beanielou said:Funnily enough I did a free foccus session for Sc Gov yesterday!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 -
Hope you find your pass. Irritating about parcel.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
Hope you find your pass.
Eek to laptop.
Good news on chairI 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 -
All sounds good .Good to see the little one playing the trumpet .Before I started avoiding school a lot , I was beginning to learn the clarinet 1-1 with a nice teacher. I ended up taking it home . Unfortunately , that didn't go down too well , due to coming from a large family . My mum told me in a few words that it had to go.
She made it up to me when I left school, and got me a bass guitar from freeman's catalogue ..or was it Kay's 😼
Hope little jwil keeps it up . I have a few nieces / nephews and none play an instrument which I find a bit sad . Different times I guess.
I'll leave it there..😼4
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