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2022 - Moving forward
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Great start to the month. I think your August PADs were impressive given all the school bills!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 you. I was quite surprised with the amount as well.savingholmes said:Great start to the month. I think your August PADs were impressive given all the school bills!"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's PAD - £2
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
August - £115
September - £4
"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 had a lovely time at the beach yesterday and I managed to go into the sea properly as well which was lovely and a big deal wearing a swimming costume in public!
I've got my course today
I'm another 1lb down so it's coming off extremely slowly. But equally, I am not restricting myself so it's not a struggle at all. I still haven't had a bar of chocolate!
"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 McGee3 -
Back to my previous list:
The changes I have made so far are:
1. Aiming for 1/2 plate of fruit/veg with every meal - mostly
2. Stop eating chocolate bars - still haven't had any 😇
3. Time restricted eating - 9am - 7pm, 10 hours - mostly
4. Reduce snacking between meals - definite improvement
All of those are still bedded in. I didn't make great progress with my moving after meals, so this is one to carry on tackling this month along with:- Walk to school/work Tuesday, Wednesday, and school on Friday.
- Stop my lunchtime can of fizzy pop.
- Go lower carb - not low carb in the official sense, but reduce the quantity I have at each meal and bulk up more with fruit and veg.
"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 -
You are doing well, lots of good changes there. Very inspiring to the rest of us. Especially now it's becoming habit for you.
Hope your course goes okay today and you don't feel pressured this timeJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
Thank youNeverendingDMP said:You are doing well, lots of good changes there. Very inspiring to the rest of us. Especially now it's becoming habit for you.
Hope your course goes okay today and you don't feel pressured this time No nagging for public weight today, hurrah! "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 -
Declutter update:
553-554. School bags
555. Packaging
556. artwork
557-559. Books
560. Pen
561. Ring
562. Football
563-567. DVDs
568. Box
569. Book
570-571. Puzzles
572-573. Games
574. Comic
575. Craft work
576. Wool
577-578. Boxes
579. Paperwork
580-584. part bags of compost
585-586. Books
587. Paddling pool
588-594. Soft toys
595-598. Wellies
599-603. Games
604-605. Books
606. Clothing
607. Plastic cutlery
608. Air duster
609 - 610. 2 x lots lego
611. Drinks bottle
612 - 636. Comics
637. Book
638. Pillow
639-640. Cooking trays
641. Hair band
642. Power pack
643. Tablet
644. Tablet case
645-646. Books
647-656. Toys
657 - 737. Kids books
738-742. Hoover attachments
743. Socks
744. Jumper
745. Phone box
Declutter totals:Magazines/papers: 169Ebay parcels: 171Other: 745
Total: 1085
Ebay listings: 181
Survey/other earnings:Amazon: £50Paypal/cash: £330.24Other vouchers:£15"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 -
Excellent totals. 😊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 -
I recently read that a 15 minute walk after one's evening meal really brought down participants' blood sugars. It didn't have to be a yomp, just brisk. You are doing really well, and slow and steady weight loss is more likely to "stick".jwil said:I didn't make great progress with my moving after meals, so this is one to carry on tackling this monthWhat would you get if all you got was what you were thankful for?3
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