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2022 - Moving forward
Comments
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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 £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
Thank yousavingholmes said:Well done on the PADs
Good to have rain. Weird the world is having so many crises at once with drought etc.
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 McGee2 -
I've had a fairly productive day today, I'm very pleased. It helps when everyone else is on leave
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 McGee2 -
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 £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
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 :j1 -
savingholmes said: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.
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.dawnybabes said:I used to love the bit between Xmas and New Year, could get loads and loads done in peace and quiet !"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 McGee0 -
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 McGee0 -
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 My electricity bill will probably halve with all the extra light "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 -
Well done on organising the cleans.
Hope tomorrow is easier than expected.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252
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