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2022 - Moving forward

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  • ladyholly
    ladyholly Posts: 3,941 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I live in the general area served by Bristol Zoo and personally I think it is a tragedy that wherethe new is beng built will have no near public transport access (unless something changes).
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy the zoo 

    I agree separating long term savings / EF from sinking funds helps me too 
    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
    Happy payday. I do the same with my pots. They are getting better, but up and down a lot. The main thing that helped was when I got the savings to a certain amount I then stopped counting my pots in with my savings. So although they fluctuate wildly they don’t alter my savings total when they are on a downward spiral 😬 it helps a lot as I see the savings go up each month (some months better than others).
    Have a fabulous day at the zoo 🐻 🐯 🐘 
    Thank you :)  Yes, I list my PBs and LISA separately so they always go up.  My emergency fund and cash buffer fluctuate constantly through the month.

    beanielou said:
    Enjoy the zoo. 
    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
    ladyholly said:
    I live in the general area served by Bristol Zoo and personally I think it is a tragedy that wherethe new is beng built will have no near public transport access (unless something changes).
    I agree, it's a real shame, and I hope they sort something out.  Hello neighbour!  I had guessed we were somewhere in the same end of the country.

    Enjoy the zoo 

    I agree separating long term savings / EF from sinking funds helps me too 
    Thank you :)  I agree, knowing my PBs and LISA are increasing, as well as continuing my PADs helps me forgive my excessive spending.
    "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
    We had a lovely day today, it was heaving though (unsurprisingly!).  We managed to get free parking a short while away, so that was useful, though we spent a fortune in the restaurant which is unusual to us.  We managed to avoid buying anything in the shop though.

    We stopped at the big Asda and got the last few bits needed for school and a gift for a birthday party the kids are going to at the weekend.  I also picked up some throat lozenges from the pharmacy just so that if my doc ever comes back to me I can say I've tried everything the pharmacy suggested (and of course, hoping that they might do the trick even though my throat isn't sore!).

    Tomorrow we are hoping to head for the seaside and I want to get my swim in the sea done!  It's been so many years since I've done anything more than paddle, and I am determined.  It looks like the weather is going to break at the weekend too, so it might be my last chance this year!

    I have a super declutter list to update this month, just got to find the time to do it :grin:
    "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 didnt realise you were in this neck of the woods. I was going to say more about the Zoo  moving but got interupted. I got in touch with the wild place project  which will be incorparated into the zoo and asked about public transport and was told basically tough if you cant manage a 10 - 15 minute walk plus walking round the site.  I get so angry at the lack of thought when building these things. Usng public transport should be encouraged but it seems that planners are too devoted to only providing access to cars.
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ladyholly said:
    I didnt realise you were in this neck of the woods. I was going to say more about the Zoo  moving but got interupted. I got in touch with the wild place project  which will be incorparated into the zoo and asked about public transport and was told basically tough if you cant manage a 10 - 15 minute walk plus walking round the site.  I get so angry at the lack of thought when building these things. Usng public transport should be encouraged but it seems that planners are too devoted to only providing access to cars.
    That's absolutely ridiculous especially as their whole ethos is meant to be about conservation and sustainability.  It should be prioritised that people can get there by public transport.  Hopefully it will be reviewed once everything has moved and maybe it gets busier.
    "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
    jwil Thats what I am hoping but with first bus cancelling services left right and centre I dont know..
    Have a lovely day at the sea side.

  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ladyholly said:
    jwil Thats what I am hoping but with first bus cancelling services left right and centre I dont know..
    Have a lovely day at the sea side.

    Yes, that's true about the cancelled buses.  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
    Today's PAD - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £115
    September - £2
    "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
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