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2022 - Moving forward

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  • beanielou
    beanielou Posts: 95,627 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope the car boot goes well  :)
    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the boot sale
    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
    beanielou said:
    Hope the car boot goes well  :)
    Good luck with the boot sale
    Thank you :)  I hope we clear some stuff.  DH said we didn't have a lot, then it turns out we don't have space for everything, so obviously do have a lot!

    "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 - £111
    "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
    First car boot sale done.  Around £30-odd made I think.  Not a lot but got rid of a fair amount!  DH has taken the full car to another one this afternoon so we'll hopefully get rid of some more.

    I was good and just bought a book.  The kids went around on their own with £5 each and bought a load of tat, but they did pretty well really and bought loads of craft stuff so at least it's consumable.  They also bought a book on times tables and a wooden clock to help little miss learn the time, so I was quite impressed with them really.  It's the first time they've been let off on their own so they were quite pleased with themselves.
    "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
  • beanielou
    beanielou Posts: 95,627 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad it went well on all fronts.
    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.
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Glad it went well on all fronts.
    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
    I had a complete meltdown last night and went off to bed at 6pm. I think it was just overwhelm.  DH saying we didn't have much to car boot and then seeing all the stuff that was there, the kids made a real mess with some of the stuff they bought, and just general overwhelm with the clutter.  It really affects me physically and emotionally and they just don't understand that.

    Anyway I sorted out a few things in our room, and sat and read in silence all evening.

    Part of it was probably annoyance about this meeting today, but also a nagging anxiety about my throat.  It's been swollen for a few weeks, and when I eat feel like food is getting stuck.  I finally messaged the GP through the app so hopefully will get an appointment this week.  My tonsils are a mess anyway, but it's weird as there's no pain or symptoms.

    I pre-ordered the new Cormoran Strike book which is out today, using my audible membership so I could use a credit instead of spending.  I was awake nice and early today and wanted to listen to it for an hour or so but it's still showing as not available until 30th!  Last time I checked it has been 30th for over 6 hours now!
    "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 - £113
    "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: 3,941 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I hope all is well with your throat.  The feeling that food is stuck is horrible.
    Well done on the car boots. I know what you mean about stuff being overwhelming. Unfortunately most of ours belongs to Mr LH and might come in "useful". I would like to know where a laptop from the ark is going to be useful not to mention a broken car radio etc etc
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