We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2022 - Moving forward
Comments
-
A PB win is a nice start to the year
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Thank you everyone
I have paid the PB win to my LISA, and have also cashed out just over £5 on PA so sent that to the mortgage.
DH has sold a load of items on ebay, again this is stuff that has been on for a while. January is turning out to be a good month for decluttering!
I took a bag of clothing to school yesterday as the school gets funds from the clothing banks there.
I had to go and pick up little jwil today as he faceplanted on the playground at school. He seems fine, just bumped and bruised. Little miss got sent home with a book yesterday about CBT for anxiety
She does over think things a lot and worries about things. I had a look through it and have ordered our own copy so that she can at least work through it and do the activities and colouring etc in the book.
DH has his unpaid day off tomorrow, so at least I can have a day off from all the running around. I do need to crack on as all the interruptions at work mean I am behind on where I need to be.
Hope everyone is well "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 McGee7 -
Pooe wee Master Jwil.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 -
Hope jwill is feeling better this morning and little miss enjoys her book when it arrives. Much nicer when you can draw and colour and claim.it as your own isn't itJan 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...6 -
Thank you. Luckily he seems fine today, and didn't get black eyes!beanielou said:Pooe wee Master Jwil.
Thank you. I think it's definitely worth having a copy she can scribble in and colour the pictures. It also helps to keep track.NeverendingDMP said:Hope jwill is feeling better this morning and little miss enjoys her book when it arrives. Much nicer when you can draw and colour and claim.it as your own isn't it"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 -
DH has had his unpaid day off today, so he did the school run which was nice for a change, and he's also carried on sorting and prepping stuff for listing.
A few items sold yesterday so 5 parcels have been posted today.
I'm tired and looking forward to the weekend
Hope everyone is well."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 McGee4 -
Glad the listing is going wellSorry little DS hurt himself. Glad DH was able to help outAchieve 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 -
Poor little Jwil, children were always hitting the playground with their face at my school, I don't know how they did it! I hope the CBT book helps with Little Miss's anxiety.
Glad DH is on a listing spree, long may it last.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 MONTHS5 -
Thank yousavingholmes said:Glad the listing is going wellSorry little DS hurt himself. Glad DH was able to help out
Thank youHairyHandofDartmoor said:Poor little Jwil, children were always hitting the playground with their face at my school, I don't know how they did it! I hope the CBT book helps with Little Miss's anxiety.
Glad DH is on a listing spree, long may it last. "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 -
I'm so glad it's the weekend, it's been a long week!
Back to swimming this weekend. I need to catch up with housework too, the house is feeling grubby. I'll visit the folks, but other than that not a lot planned.
I'm reading Silent Earth by Dave Goulson at the moment, it's about how insect life is being decimated. It's fascinating, and worrying. My garden is already a jungle and I shall now consider it a nice habitat for insects rather than a mess
I'm going to try and make it even friendlier and try and get a lot more insect friendly plants and flowers. I shall also get over my horror of earwigs *shudder* and remember that they do good in their own way.
I've just sold two items so that's a nice start to the weekend.
Have a good one 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 McGee6
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.5K Work, Benefits & Business
- 599.8K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards