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2022 - Moving forward
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Thank yousavingholmes said:Well done for what you got done.
It's natural to get frustrated with your OH - but don't let it rob you of your joy. You're doing a great job getting rid of stuff.
I like your thinking. "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 - £30
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
August - £46
"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 -
A nice hefty PAD today due to a cash out from PA.
We're due to be out this afternoon, but other than that I'm planning a chilled day. Maybe a bit of pottering, but not as full on as yesterday.
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 McGee2 -
I have a houseful of stuff from my husband that "might come in useful" so I feel your pain.
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It's very frustrating isn't it!ladyholly said:I have a houseful of stuff from my husband that "might come in useful" so I feel your pain."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 that person.... I am frustrating - but I can't help it... I'm trying but it's slow...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 -
Lots of people are, and that's fine. I'm not perfect by a long chalk. The problem is that here it impacts on all of our lives. There is not one room that doesn't have stacks of DH's clutter in it. Even the kids bedroom has a built in cupboard they can't use as it's full of his stuff. They don't have a bedroom each because the spare room is full of his stuff. There are piles of stuff on the floor in other rooms. The garage is full, the loft is full, there is just nowhere for it to go. And this is a massive, massive improvement on how it used to be....savingholmes said:I'm that person.... I am frustrating - but I can't help it... I'm trying but it's slow..."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 -
Well done to you and DH for the progress made. Keep chipping away at it.
As you know I copied your £2 a day PAD, now I want to up it to add any unexpected windfalls (not that there are many of those!)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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Thank you. I should give him credit for the amount he has cleared, however much the rest still annoys me. I know he doesn't find it easy.doingitanyway said:Well done to you and DH for the progress made. Keep chipping away at it.
As you know I copied your £2 a day PAD, now I want to up it to add any unexpected windfalls (not that there are many of those!)
Great news about the PADs, adding the windfalls is a great way to add a bit of extra without impacting on the day to day budget. "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 did a little bit of gardening this morning until it got too hot. I was lugging some big rocks around so good exercise!
We went out this afternoon. Little jwil's friend cancelled, so we dropped him at his grandparents. Little miss's friend did come and they had a lovely time together. We've arranged to meet again soon. It was actually quite nice out in the shade under the trees.
I've no plans for the rest of the week now and don't expect we'll do too much in the heat."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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