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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
    Well done on the PADs 

    Good to have rain. Weird the world is having so many crises at once with drought etc.
    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 

    Good to have rain. Weird the world is having so many crises at once with drought etc.
    Thank you :)

    It's terrifying really isn't it.  This is climate change in action, the world is simultaneously on fire or flooding and still the Govts (around the world!) don't act, and so many people are still in denial that it's real or consider it some distant problem that won't affect us.  I really worry what it's going to be like when the kids grow up.
    "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've had a fairly productive day today, I'm very pleased.  It helps when everyone else is on leave :D:D 

    It's been chucking it down this evening so hopefully the water butts will be filling.

    I've bought myself a lunch bag for when I go into the office.  My lunchbox sometimes leaks so I wanted something to keep it secure in my rucksack.  I could use a carrier bag, but this is at least insulated so should keep things cooler. 
    "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
    Glad you are getting back in the flow of work. It is oddly motivating when others are away. You can tick items off your list without being constantly swamped by new ones.
    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
  • dawnybabes
    dawnybabes Posts: 3,368 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I used to love the bit between Xmas and New Year, could get loads and loads done in peace and quiet ! 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are getting back in the flow of work. It is oddly motivating when others are away. You can tick items off your list without being constantly swamped by new ones.
    I used to love the bit between Xmas and New Year, could get loads and loads done in peace and quiet ! 
    It's great isn't it.  No constant stream of emails, phone calls and meetings.  I can get stuck in without the constant interruptions.  It makes the day so much more enjoyable as I feel like I've achieved something. 
    "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 - £5 - a small ebay sale
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £78
    "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
    Another fairly productive day today.  Tomorrow's going to be horrible as I've got back to back and even overlapping meetings!

    A colleague has gone off for personal reasons which obviously is awful for them, but means I'm going to have to pick up a lot of the work.

    I could do with going into the office next week for the peace as DH is home as well.  But we are moving offices next week which coincides with the two days I am meant to be in, so I can't.  Hopefully he'll take the kids out.

    I've booked a window and gutter clean for next Monday.  The windows haven't been done here for god knows how long (apart from my own attempts), they'll probably all fall out :D:D   My electricity bill will probably halve with all the extra light :D 
    "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
    Well done on organising the cleans.

    Hope tomorrow is easier than expected.
    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
  • I love clean windows. They make such a difference to the feel of a house  :)
    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) 25/072025
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