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2022 - Moving forward
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Today's PAD - £2
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
"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 -
School shoes eeek .yes total shocker aren't they. And they don't always last long. Hope the kids are feeling better today after there jabsJan 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 -
Record PADs this month! Go you!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 -
It is terrifying. I still need to get them trainers and wellies too. They seem bright and bouncy today thankfully!NeverendingDMP said:School shoes eeek .yes total shocker aren't they. And they don't always last long. Hope the kids are feeling better today after there jabs
Thank yousavingholmes said:Record PADs this month! Go you!
I have a feeling it will be a record low this month 😖 "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 - £177
August - £2"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 -
Morning everyone I'm in a foul mood today. I could do with hiding myself away from the world!
All the DDs have come out today, so I'm in a better position to see what's left for the month. It's not pretty, but I'll keep going.
We took the kids out yesterday with friends and went out for dinner in the evening to celebrate our anniversary. It was nice (and DH paid!) but it was a lot fancier than it used to be and a lot more expensive. I don't think I'd hurry back, particularly while the kids are still young. Mine are too fussy and like familiar foods without fancy accompaniments.
We got home in time to see the end of the football match. So pleased for the Lionesses, I'm not a football fan, but it was well-deserved!"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 -
I felt like that last night so you're not alone.
Hopefully you'll feel better soon.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 29/7/253 -
Thank you. I hope you are feeling better today.savingholmes said:I felt like that last night so you're not alone.
Hopefully you'll feel better soon."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 -
This morning I have tackled my 'books to go' bag at long last. I've put the barcodes into the book selling sites and several have gone to one of them. Only just over £5 but it's more than I would have made at a boot sale, and less hassle. That parcel is being picked up tomorrow.
The rest I boxed up and have donated to charity. Took the parcel straight away so I could get it out of the house. I'm very pleased about that. I stuck in a few dvds as well. That's one big bag emptied so I can use it again to refill with other items to donate/sell. A bit of cash as well towards the mortgage hopefully."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 -
Well done 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.3
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