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2022 - Moving forward
Comments
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Today's PAD - £11
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £173
"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 -
Enjoy your time off and well done on the inch. !!Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
July update:
Debts:
1. £3,580/£3535
2. £4,654/£4602
Total: £8,234/£8137
Mortgage - £100,977.96/ £96,366.59
Savings:
LISA: £1061.42
Premium bonds £700
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 McGee1 -
The numbers are looking good. Well done. XJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
Declutter update:
268-269. Comics
270. Catalogue
271. Pen
272. Book
273. Pen
274. T-shirt
275. Paddling pool
276 - 392. Pens and broken crayons
393. Underwear
394. Ear defenders
395 - 410. Clothing
411 - 424. School uniform
425. Jumper
426. Game
427 - 428. Bedside lamps
429 - 430. Low energy lightbulbs
431. Book
432 - 454. DVDs
455. 2kg Lego
456 - 457. Ink cartridges
458 - 469. School uniform
470 - 490. Clothing
491 - 495. Duvet sets
496. Curtain tie backs
497 - 499. 3 pairs shoes
500. Bag
501 - 503. Pillows
504 - 515. Bedding
516. Towel
517 - 518. Gift bags
519. Phone case
520 - 549. Magazines/comics
550. Bundle of artwork
551. Catalogue
552. Dress up costume.Declutter totals:Magazines/papers: 47Ebay parcels: 150Other: 552
Total: 447
Ebay listings: 126
Survey/other earnings:Amazon: £45Paypal/cash: £245.63Other vouchers:£15"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 -
NeverendingDMP said:Enjoy your time off and well done on the inch. !!NeverendingDMP said:The numbers are looking good. Well done. X
"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 -
Happy payday! I've refilled all my pots, so starting the month with a very tight budget. I need to dip into them less this month!
I'm really chuffed with the declutter list, hopefully I can repeat that while I'm off.
Today I'm just having a relaxing day. Admin this morning. We will go in town later as the kids have their 2nd jabs. It will be good to get them out of the house!
I need to think about what my next lifestyle change will be. I have well engrained my previous ones, so it's now time to pick a new habit. I did speak to my GP about coming off the anxiety meds, and this is happening this month so that's good.
The changes I have made so far are:
1. Aiming for 1/2 plate of fruit/veg with every meal - mostly
2. Stop eating chocolate bars - still haven't had any 😇
3. Time restricted eating - 9am - 7pm, 10 hours - mostly
4. Reduce snacking between meals - definite improvement
I think I need an activity one now. So this month it is going to be: make an effort to move around/exercise within 1 hour of eating to help regulate blood sugars. This one will be a real challenge for me, particularly when I'm working. But it will be a really good habit to get into.
"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 -
Sounds like a good plan. Is the ten hour eating timeframe the thing you posted about earlier. I wonder if it would help me loose a bit and stop snacking. I leave at quarter to eight though so wonder how best to make it work. Have you found it manageable? Sorry so many questions !Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
Lots of positive changes there.
Great PADs tooAchieve 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 -
NeverendingDMP said:Sounds like a good plan. Is the ten hour eating timeframe the thing you posted about earlier. I wonder if it would help me loose a bit and stop snacking. I leave at quarter to eight though so wonder how best to make it work. Have you found it manageable? Sorry so many questions !
Yes, it is the time restricted eating I posted about before. Some people say 8 hours, but one book I read said it didn't make much difference, and 10 hours was more manageable for most.
You can pick whatever hours suit you - some people like to skip breakfast and eat into the evening, but I am too hungry in the morning and tend to eat my last meal between 5 and 6pm. I take breakfast to work with me - though admittedly that might not be possible for a lot of jobs.
I have found it really suits me and has stopped a lot of snacking - particularly in the evening. I find it hard when I have to go out early so either start earlier and try and finish earlier, or just accept a longer window for that day (obviously only works if it's not frequent).
It's also helped with my grazing during the day. If I eat within 10 hours, then it's never long to the next meal, so I snack less. I'm definitely eating less.
I haven't found it a struggle at all, which has been amazing. There's only the odd evening where I've fancied something, but usually I've resisted. I'd definitely recommend giving it a shot - you can always try different timescales and find one that suits. The idea is to leave that 14 hour gap between when you stop eating the night before and start eating the next day. I'm not losing a lot of weight, but I'm definitely losing inches, and I'm hoping it helps with my bloods when I next have them done."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
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