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2022 - Moving forward
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I'm still being spendy! I've ordered a fan today. The kids room is the hottest in the house and they are struggling. I haven't been sleeping well either with the heat so hopefully it will help. It was £80 with hugely positive reviews and I used £30 of nectar points to help get the price down.
I ordered DH's birthday present yesterday too - some motorcycle boots.
I'm shattered today, so don't think I'll be up to much. Have a good day 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 McGee4 -
Today's PAD - £2
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
August - £61
"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 -
The fan will be very useful and you can use it every summer. I never think fans are a waste of money as they help you sleep and I couldn't manage without one in the bedroom and one in the living room in the summer.
I'm inspired as always by your PADS.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 MONTHS3 -
Thank youHairyHandofDartmoor said:The fan will be very useful and you can use it every summer. I never think fans are a waste of money as they help you sleep and I couldn't manage without one in the bedroom and one in the living room in the summer.
I'm inspired as always by your PADS.
I've never used a fan before as I've found them annoying and noisy. Must have been the ones we had! This one is really good, and it's practically silent! It really helped get a good nights sleep last night. "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 -
The last couple of days have been a bit of a write off due to the heat. I haven't slept well so haven't felt like doing much in the day. Last night though was a different matter, I put the fan on direct rather than moving and it worked a treat. It's so quiet, it's hard to tell if it's on unless the room is completely silent!
DH is taking the kids swimming this morning, so I've got a couple of hours while it's a bit cooler to tidy round, hoover and do a bit of stuff around the house. I've got some mince that needs cooking so will prep a couple of meals so I don't need to cook in the heat.
DH has sold some stuff so I need to pack those as well.
Have a good day 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 -
Today's PAD - £6
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
August - £67
"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 -
Great news on the fan.
Well done on the PADsAchieve 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 -
The fan sounds like an excellent investment.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 -
savingholmes said:Great news on the fan.
Well done on the PADs
Thank you both. I was a bit worried it was a wasted spend, but now I'm thinking it's ok.doingitanyway said:The fan sounds like an excellent investment."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've hoovered through, made up two meals with the mince, cleaned up the kitchen, caught up with surveys and packed 3 ebay parcels. Just going to hang the washing and that will probably be most of it for the day as it's getting hot now. Roll on the weather breaking.
Have a good day."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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