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2022 - Moving forward

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  • NeverendingDMP
    NeverendingDMP Posts: 2,221 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I agree fan sounds an excellent idea. And well done on the pad. Bet they are really making a difference.
    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...
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    NeverendingDMP said:
    I agree fan sounds an excellent idea. And well done on the pad. Bet they are really making a difference.
    Thank you :)  In the short term I don't notice it (other than the balance going down) but it will be great to be completely mortgage free in 10 years.  I want to maximise it while I can, because who knows what the winter will look like, and I might not be able to afford to PAD so much.
    "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
    Last day of super hot weather today hopefully!  I'm going to try and go out in the garden for a bit before it gets too hot.  Not much else planned otherwise.  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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £69
    "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
    We've done a bit more in the garden this morning.  DH actually helped!  We are trying to set up a couple of water butts ready to (hopefully!) catch some rain if we manage to be lucky enough to get some this week.  If we get some torrential rain it would be good to try and capture some of it.

    I've also cleaned the windows in the front room and have done 10 listings for DH and 1 for me.  I've reset up my work desk in preparation for tomorrow.  Started up my laptop to make sure any updates are done so that I don't have to keep getting interrupted to restart tomorrow.
    "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
    Sounding very organised Jwil. Well done. 
    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
    savingholmes said:
    Sounding very organised Jwil. Well done. 
    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 - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £71
    "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
    Back to work today :(  Not too bad a day considering though.  I did nip out and return my old laptop too so at least that's out of the house now.

    It's raining!!  It's so lovely to see.  I can't remember when we last had some decent rain!  Hopefully a nice bit will be going into the water butts.  Cooler today as well thankfully, though still muggy.
    "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 - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £73
    "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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