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2022 - Moving forward

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 9 August 2022 at 8:49PM
    Well done on the PADs. I would find that level of clutter hard to live with too. I have 2/3 filled the garage - at least half of which should go. My art room to be is currently unusable still... I have a ways to go yet. My bedroom is still pretty clear though and my lounge is much improved after my cleaner's efforts last week. 
    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 29/7/25
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PADs. I would find that level of clutter hard to live with too. I have 2/3 filled the garage - at least half of which should go. My art room to be is currently unusable still... I have a ways to go yet. My bedroom is still pretty clear though and my lounge is much improved after my cleaner's efforts last week. 
    You are making great progress and doing really 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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £7
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £53
    "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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I got my payment from the book selling company today, so have included that in my PAD.  Who knows how much I will be able to PAD over the autumn and winter once the next fuel rises kick in, so I'm trying to get as much done as I can now.  I'm hoping we can absorb the worst of it, particularly if I won't be commuting by car any more.  It won't be a massive saving, but every little helps.  I'll be able to reduce my childcare by one day a week thanks to my folks, so that will be a £12 a week saving.

    I spent another £80 yesterday on trainers for the kids, but that means we're nearly done now.  Just need to get wellies for Forest school and pe shoes (which will probably be cheap trainers rather than daps).

    I did a bit more in the garden this morning, and have made another attempt at getting sun cream stains out of some t-shirts.  I've rubbed in some washing up liquid and washed them, and now  have soaked them in lemon juice and put them out on the line to hopefully bleach in the sun (they are white t-shirts).  It's the ones I plan on using for the tie dye so doesn't really matter, but it would be good if they didn't have the stains.

    The t-shirts I dyed the other day have come up like new, fabulous!
    "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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm always happiest when I'm just pootling around, not doing a lot, but tackling some of those little jobs that never seem to get done.  I've been listening to an audiobook whilst pottering around.

    I continued operation use-up by making some cakes which the kids have decorated, and making some lentil soup using lentils from the cupboard, soft carrots from the fridge and leeks from the freezer.

    I've given 4 pairs of wellies a clean up, and once they are dry they can either go to car boot, or I might stick them on a local selling page.

    I'm also decluttering the computer to free up some storage space.

    I think I'll do the dog beds this afternoon as she's not really using them in this heat so they can have a good clean and airing.
    "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 McGee
  • satchmo1
    satchmo1 Posts: 3,229 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Can you find newer wellies on the local selling page? After all, kids' wellies don't get worn out (just mucky).

    You seem to be getting plenty of exercise with your gardening and decluttering :-)

    Your OH may get more enthusiastic with decluttering when he sees the space it creates
    What would you get if all you got was what you were thankful for?
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    satchmo1 said:
    Can you find newer wellies on the local selling page? After all, kids' wellies don't get worn out (just mucky).

    You seem to be getting plenty of exercise with your gardening and decluttering :-)

    Your OH may get more enthusiastic with decluttering when he sees the space it creates
    There don't seem to be any on there, but good idea (and exactly what I'm hoping to do with the old ones!).

    Thank you :)  I am trying to be a bit more active.   I hope he'll make some progress while he's off.
    "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 McGee
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great PAD with the book £. Well done for keeping focus.
    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 29/7/25
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great PAD with the book £. Well done for keeping focus.
    Thank you.  :)  
    "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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £6 - a bit of cash back
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £59
    "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 McGee
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