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2022 - Moving forward
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Today's PAD - £2
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
August - £115
September - £92
October - £8
"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 -
Great PADs.
I think going less to the office sounds a good plan for now.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 yousavingholmes said:Great PADs.
I think going less to the office sounds a good plan for now.
It's definitely a relief to not be going in today. "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
October - £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 McGee2 -
It is the consistency of your PADs that amaze me 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) 25/0720252 -
Thank you. It's a bit of a habit now, I automatically transfer it over when I check my balance in the mornings.doingitanyway said:It is the consistency of your PADs that amaze me"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
October - £12
"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 -
Out of my 3 contacts for electricians, one came out and hasn't quoted, so assume they are not interested. One came out exactly when they said they would (actually early) and took time to have a good look, have sent a quote through quickly, slightly more than I'd hoped, but not too far away from what I'd guessed. The third was meant to come today but cancelled at the last minute and now is due to come tomorrow. If they don't turn up, I won't give them another chance. I'm tempted to go with the one that has quoted as so far they've done everything they said, when they said, and they gave good advice, without seeming to be piling on additional work. It's all very stressful!
No reply at all from the plumber 😡
Funding wise, I have set aside the amount quoted for, so we know we've got it regardless. I've also tonight applied to switch our joint account to nationwide to get the £200 shown in the weekly email, and I've also done one of my single accounts to get the £175 from First Direct also in the email. If they come through then that's a good proportion of the bill which can go back to savings.
I've sold an item today, only a small quantity but it all helps."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 -
Go with the one you have a good vibe from & has done as he said.
Worth their weight in gold 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.3 -
Oh & Nationwide & FD are both great 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.3
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