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2022 - Moving forward

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fantastic result with DH. Hope you get an electrician in asap. Will be £ well spent. I'd move your DC in before DH starts refilling space.
    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: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    Fantastic result with DH. Hope you get an electrician in asap. Will be £ well spent. I'd move your DC in before DH starts refilling space.
    Thank you.  I've made up the bed in there.  I don't want to move a lot of stuff in until we've had the electrics done, as we're going to need to buy some new furniture for it, and we won't have anywhere to move it when the electrician comes.  I'm going to get three quotes and will start contacting them this week hopefully.  I won't let him refill 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 McGee
  • Chrystal
    Chrystal Posts: 2,000 Forumite
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    That's brilliant jwil!  Well done on your 'gentle persuasion' :smiley:@ :wink:
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • jwil
    jwil Posts: 21,959 Forumite
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    Chrystal said:
    That's brilliant jwil!  Well done on your 'gentle persuasion' :smiley:@ :wink:
    Thank you :D:D I'm very pleased :)
    "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: 95,578 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Woohoo.
    I look forward to the next update  :grin:
    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: 21,959 Forumite
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    beanielou said:
    Woohoo.
    I look forward to the next update  :grin:
    Thank you :smile:
    "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: 21,959 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 - £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: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Finally I had a good night's sleep last night, so I'm feeling better today.  I didn't hit my activity challenge last week, but in reality I think the rest has done me good.  My knee pain seems to be easing a little bit.  I walked the kids to school this morning, and will be back walking to work tomorrow and Wednesday.  These three trips alone make me do much of the target so anything else is a bonus.

    I've got my course on Friday so will be doing my weight etc ahead of that.  I hope to see a little movement!

    I'm going to get in touch with the electricians today.  Fingers crossed they get back to me!  I also want to do the switch for our joint account, but as our payments are due to be coming out this time next week, I'm wondering if I should wait.  Has anyone done a switch when a payment is due?  Does it all still go through ok?

    This week so far looks to be fairly quiet for meetings at work, hopefully it will remain that way and I can crack on and get on top of my tasks.

    Payday this week, hurrah!  Next month will be another tight month as we are in Cornwall for a weekend, and also I've got my MOT and service booked.  Any progress is good progress 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
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Glad you slept well. 
    Well done for keeping the activity going despite your knee pain.
    Have a good week
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 21,959 Forumite
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    doingitanyway said:
    Glad you slept well. 
    Well done for keeping the activity going despite your knee pain.
    Have a good week
    Thank you :)  You too.
    "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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