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2022 - Moving forward
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Well done on all that productivity and on the PAD.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 29/7/251 -
Thank youdoingitanyway said:sounds like a lovely weekend. a good balance of things.
"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 -
Thank yousavingholmes said:Well done on all that productivity and on the PAD. "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 -
We've had a lovely day with lots of exercise. I've even done over 11,000 steps which is a miracle for me!
We went to the NT place this morning, only had time for an hour, but saw enough to know we'd like to go back another time. Then we met up with a friend and her child to do a scarecrow trail. It was good fun and in a nice village with a lovely park area. The kids really enjoyed it.
I'm shattered now. I'm really hoping that walking to work will make a difference on my fitness and aching! I give up too easily at the moment as it all hurts too much. Being 'forced' to do it should keep me at it, and if I can keep it up for the two days, and do one more day, then for the first time in years probably, I'll be exceeding the 150 minutes moderate activity recommended for health. I've got to keep focussed on that!"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 -
Any idea when you might be able to tackle the electrics?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Well done on the exercise. I keep thinking about exercise - I should go out really. Currently feel paralysed by my messy front room which needs sorting. I'd probably find it easier to do if I just went out though and came back and did it.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 29/7/251 -
No, I really want to do that as it makes me anxious. I'm not sure we can afford it at the moment. I am determined to do it next year regardless though.beanielou said:Any idea when you might be able to tackle the electrics?
I can so relate to that. I find that when I'm overwhelmed by something I just don't do anything at all. I'm trying to learn that doing 5 minutes is better than nothing. Exercise is a real problem for me though, and one I need to tackle. I'm quite relieved that I'm being 'forced' to do it with the office move. I've just got to make sure I don't get seduced by cheap bus fares. Hopefully I can get into the habit before they are introduced.savingholmes said:Well done on the exercise. I keep thinking about exercise - I should go out really. Currently feel paralysed by my messy front room which needs sorting. I'd probably find it easier to do if I just went out though and came back and did it."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 -
Today has been another 'operation clean and tidy' day. I've hoovered through upstairs and downstairs. The wall covering for the kids room looks fab! I really like it. Much better than I thought it would be considering it was only £14 (and I used a £5 amazon voucher towards it). Much cheaper and less effort than decorating!
I've done some more of the toys. DH is doing some sorting too which is good. I've suggested we do a boot sale on Monday as we are both off. So we might do that.
I've been through the tin cupboard in the kitchen, and used a couple for tea tonight. It's getting nice and empty so I can start to restock it.
I've spent quite a bit of time in the garden weeding the path and giving it all a good sweep. It's looking much better out there now ahead of the window cleaners coming 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 McGee2 -
All good then I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Sounds good. Enjoy tomorrowAchieve 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
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