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2022 - Moving forward
Comments
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Good, well done youbeanielou said:
It was & I was able to get my point across in a measured wayjwil said:
Thank you. I know, it's really positive. Though I guess I'm paying for it out of my water bills....savingholmes said:Well done on the PADs.
That focus session was really well paid.
Was it interesting? Shame you didn't get paid. I like doing stuff like that though.beanielou said:Funnily enough I did a free foccus session for Sc Gov yesterday!
savingholmes said:Hope you find your pass. Irritating about parcel.
Thank you, it's even more annoying as it's a new one anyway!beanielou said:Hope you find your pass.
Eek to laptop.
Good news on chair
I've got the parcel thankfully. I was getting edgy. Now I've got a nice new work laptop
Thank youanother_casualty said: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..😼 Unfortunately he didn't want to carry on when the letter came round. I perhaps should have encouraged him more. His report says he quite often chooses the easy option which is true. I should challenge him more. "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 McGee2 -
Happy last day of term, hurrah!
I'm on a mission today, to gather up the rest of the school clothes, and anything else that needs to go, so I can drop it in the clothing bank at school this afternoon. If I get time, I'm going to tackle the airing cupboard as well.
It's cloudy and cooler here today which is nice, so I'm going to stick an audiobook on and crack on
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 McGee1 -
Today's PAD - £2
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £95
"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 -
Arrrghhh! I've just opened up a drawer I use for storing clothing not used often, and found a load of brand new unused uniform! 🤦♀️🤦♀️ It's sized from a couple of years ago, so must have been unused due to Covid. Most of it won't fit any more, but there may be a couple of jumpers that will do for a bit. I've bagged it up and will donate it to the school later.
I've also gone through my drawers and finally got rid of everything that I've saved previously because it might come in handy, because I've saved them several times and still haven't worn them!
I've been through the airing cupboard and am getting rid of the old duvets (I'm going to get a couple of spare coverless ones), some grotty pillows, and some of the old duvet covers etc (I'll save some to use as extra blankets). I've also set aside some towels, but they might be converted into dog towels, and I'll make sure we've got a couple for the cars.
"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 -
6 bags of clothing and bedding gone! All deposited at school.
No more school runs for 6 weeks!
I've ordered the branded uniform today as well. Just shoes and school bags to get now I think. I'm very organised this year!
My £50 has arrived, yay! So I've done another PAD to the mortgage."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 McGee2 -
Today's PAD - £52
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £145
"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 -
6 bags gone is amazing! I think I could do that per drawer with the amount I keep just in case!Happy school holidays.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/p12 -
You are awesome.
Happy holidays 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 -
Well done on the decluttering. Annoying for you re the clothes but I'm sure someone will be very grateful.
Great news on the PAD.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 -
Yes @jwil, you are making a deposit in the Bank of Karma...good things heading your way. Love Humdinger xxsavingholmes said:Well done on the decluttering. Annoying for you re the clothes but I'm sure someone will be very grateful.
Great news on the PAD.3
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