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2022 - Moving forward
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Thank youdoingitanyway said:Hope you get a good electrician at a reasonable rate. Well done on PADs as per usual
I hope so 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 McGee1 -
I've just had my covid jab so that's me done for flu and covid now, hurrah,
One electrician came out the other day but we haven't had his quote yet. Another is due tomorrow, and I haven't heard back from the other one after he asked me to email.
The plumber we contacted hasn't even replied. *sigh* It's so hard when it's a (hopefully!) small job.
2 more items sold for DH today. Payday tomorrow, at last! I've submitted our meter readings, though my energy company has actually just put our DD down. I assume it's to allow for the £400. I did put the heating on last night for 30 mins or so just to check that it's all working. One radiator needs bleeding but the rest seem ok.
"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 - £92
"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 -
September update:
Debts:
1. £3,580/£3521
2. £4,654/£4586
Total: £8,234/£8107
Mortgage - £100,977.96/ £95,058.99
Savings:
LISA: £1131.97
Premium bonds £750
Emergency fund: £7.65
Cash Buffer: £260
House improvement fund: £10"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:
746. motorcycle boots
747. Lego lot
748-749. Books
750-751. Teaspoons
752-753. Cards
754. Kilner jar
755-756. Boxes
757. Book
758. Socks
759-761. Photo frames
762-763. Photo albums
764-767. Money boxes
768. Book
769. Lego lot
770. Face mask
771. Socks
772. Pen
773. Underwear.
Declutter totals:Magazines/papers: 173Ebay parcels: 264Other: 773
Total: 1210
Ebay listings: 182
Survey/other earnings:Amazon: £55Paypal/cash: £359.54Other 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 -
Update on my health
The changes I have made so far are:1. Aiming for 1/2 plate of fruit/veg with every meal - mostly2. Stop eating chocolate bars - I have restarted this, but am careful to eat in moderation. I can definitely have chocolate in the house now without scoffing the lot! A few squares is enough. Got to keep an eye though that bad habits don't creep back in.3. Time restricted eating - 9am - 7pm, 10 hours - mostly4. Reduce snacking between meals - definite improvementWalk to school/work Tuesday, Wednesday, and school on Friday. - Generally done Mon/Tues/Wed so pleased with thatStop my lunchtime can of fizzy pop. - DoneGo 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. - Not made great progress with this. Needs more work."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 -
I'm pleased with the changes I've made this month, and despite reintroducing chocolate, I have lost 4.5lb this month! I'm really happy with that, and assume the exercise is making a big difference. My knee is still painful but it is definitely improving, so I'm hoping that a few more weeks of walking will help it go!
I'm not calorie counting any more, as it is too much faff, but the few days that I tried it, it made me realise that I am not eating crazy amounts, so just small tweaks should add up eventually. It was reassuring for sure!
All the bills are paid, and pots mostly topped up. It's going to be an expensive month this month as I've got MOT and Service, hopefully the electrics and a weekend away. I'm hoping to just coast along again this month, rather than make massive progress.
I did order some clothes yesterday. Not desperately needed, but I think will be more comfortable for walking in and good for layering in winter. Smarter for out and about, rather than slobbing around in big jumpers which are better at home."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 -
Sounds like things are balanced overall.
Really well done on the weight loss.
PADs ended up a good number too despite all the return to school costs.
Clothes - can lift your spirits as well as be practical...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 -
Well done on your loss.
Happy new clothes to you 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 -
Fantastic weight loss jwil! 1lb weight loss weekly, over a year is nearly 4 stones, and because it's coming of gradually it's much more likely to stay off, as new habits have a chance to 'stick' Well done you. XXXI 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 unhappy2
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