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2022 - Moving forward

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  • jwil
    jwil Posts: 21,992 Forumite
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    Well done on organising the cleans.

    Hope tomorrow is easier than expected.
    Thank you :)

    I love clean windows. They make such a difference to the feel of a house  :)
    I hope it will make a good difference :)
    "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 as expected was a nightmare, but productive.  It's so hard flipping from one project to another without time to think between!

    But it's done now, and today was my Friday :grin:

    I really need to spend tomorrow cleaning.  The house looks really grotty at the moment, I'm not sure why.  There just seems to be dirt and dust everywhere all of a sudden!  I want to carry on in the garden as well.  I've put lots of the edging in and it makes it look so much neater!

    DH has sold a few items today, and I've sold one as well, so that's all good too :)

    Hope everyone is 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 - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £80
    "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 forgot, a funny thing happened last night.  We were woken about 3.40am by a really loud screeching noise in the road.  I got up to see what was going on, and it sounded like a dog was out there.  Eventually a fox appeared.  I kept watching it, and every so often a cub jumped over the wall in our garden and followed it!   There were 3 cubs in the end.  It was very cool to see, but I was panicking about our cat as she was out in the garden overnight and I was worried the fox was attacking her.

    I went down and opened the front door, and she hurtled in.  I think she must have been hiding under the cars.  She did then think it was breakfast time, so clearly wasn't too traumatised :D: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
  • ladyholly
    ladyholly Posts: 3,943 Forumite
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    Foxes can be incredibly noisy. We have quite a few round here. I dont think they usually bother cats as the cats will just run in fact a few months ago DH saw a cat and a fox lying down together.
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nice in a way to see a fox and their cubs - but not good if they come in your garden regularly. They can make a mess! Glad your cat was safe.
    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
    ladyholly said:
    Foxes can be incredibly noisy. We have quite a few round here. I dont think they usually bother cats as the cats will just run in fact a few months ago DH saw a cat and a fox lying down together.
    I've never heard anything like it!  Glad they don't bother cats as a rule.

    Nice in a way to see a fox and their cubs - but not good if they come in your garden regularly. They can make a mess! Glad your cat was safe.
    Yes, our old dog used to love a good roll in fox poo!  We had one in the house the other year!  I've never really seen them though.
    "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 - £82
    "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 on a cleaning mission today to try and get this house looking better!

    Little jwil has gone up a level at swimming so his new lesson is later, it will be good to reclaim some of our Saturday.

    Not much else planned here!
    "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 the PAD and to little jwil. Later Saturday morning starts sounds positive.
    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
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