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2022 - Moving forward
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Well done on the decluttering. I look around everywhere and see stuff that needs to go - but can't quite make myself do it. So in awe of how much you declutter. Mine is more 'snail' speed...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 -
Do you fancy a wee holiday in Scotland ? !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 -
Thank yousavingholmes said:Well done on the decluttering. I look around everywhere and see stuff that needs to go - but can't quite make myself do it. So in awe of how much you declutter. Mine is more 'snail' speed...
I go through fits and bursts. There never seems to be an end to it! I find it so stressful with all the visual noise. It's my way of trying to improve things.
I would love, love, LOVE onebeanielou said:Do you fancy a wee holiday in Scotland ? !
I'm on my way "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 -
Will pick you up at the bridge 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 -
I hate the visual noise too but still seem to add to it rather than resolve it.
My bedroom is the one exception currently -everywhere else seems out of control.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 -
Fabbeanielou said:Will pick you up at the bridge
I go through phases. I have a real go at it and feel better, then other times am just overwhelmed so can't face it. The books I dealt with yesterday have been there for months. There's another bag of kids books that I just can't face starting. It's really hard!savingholmes said:I hate the visual noise too but still seem to add to it rather than resolve it.
My bedroom is the one exception currently -everywhere else seems out of control."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 - £4
"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 -
I'm feeling really rough again at the moment, I seem to be having an IBS flare up. It's so uncomfortable. So annoying when I'm on leave!
My sister and her kids are coming down today so we are meeting them which will be nice.
I found a dress in the drawer the other day which I'd obviously bought and didn't fit and had forgotten about it. It's a smaller size than I would normally wear around the hips, and it fits and isn't too tight! I'm very chuffed about that "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 -
Hope you are feeling better soon. And excellent news on the dress. It's like a little surprise shopping trip. Have a lovely day out with family.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...3
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