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2022 - Moving forward

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  • jwil
    jwil Posts: 21,953 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 - £92
    October - £59
    "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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Jwil. Finished early today but hopefully catch up on Sunday. 

    Well done on the PADs. 
    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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Jwil. Finished early today but hopefully catch up on Sunday. 

    Well done on the PADs. 
    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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Work has been busy this week, I actually sat down and wrote a list of all my projects and key deadlines.  It certainly gave me the fear!  But has given me a good idea of where I need to focus next week.  It will be nice not having to do the school run, it adds at least an hour to my working day accounting for the time I'm out doing that.  I do appreciate being able to do it though, and it saves me money on childcare.

    Today was my non working day and the kids had an inset day so we've just been chilling.  The kids actually spent some time playing together which is rare these days but lovely to hear.  I've been continuing with tidying and trying to clear things.

    I've managed to clear enough space to get the dolls house (which I still haven't done anything with!) off the floor and on top of the unit I moved last week.  It's cleared a lovely big space in the front room, and I'm very pleased.  I also condensed and flat packed all the lego/playmobil packaging, putting the lego in the lego boxes, and filing away the instructions.  That was what cleared the space for the dolls house.

    I've put up a few halloween decs, and moved some other bits.  It's starting to feel more like a home and less like a dumping ground, but still a long way to go.

    I've also ordered a new dining table for out the back.  Our current one only seats 2 and it's also used for my work desk and is not big enough so I have a load of stuff dumped on a chair next to it.  This table seats 4 and so should be plenty wide enough.  It will also give us more space for baking/crafts without me worrying my work stuff will get ruined.  I should also be able to use a computer chair rather than my bucket chair, which, whilst comfortable, I do wonder if it is partly causing the pain in my legs, or at least not helping.  We've been trying to look for a 2nd hand one, but can't find one of a suitable size as it's not a big space, so I got fed up with waiting.  I did manage to find a returned one on eBay so have saved some money.  It was only £140 so not the end of the world.  It should hopefully tidy up the back nicely 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
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the table  :)

    Any news on the car?
    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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Great news on the table  :)

    Any news on the car?
    Thank you :)  The auction ends tomorrow.   There's been several bids already and hundreds watching, so fingers crossed he might get a bit more.  Just hope it all goes smoothly.
    "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: 21,953 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 - £92
    October - £61
    "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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My £200 switch bonus has arrived already!  Fantastic, as the switch only completed the other day.  That's in time for the electrician so I'm really pleased.

    More tidying planned today.  I'm just trying to make sure all the sockets are as accessible as they can be ahead of the electrician (and that everything is neat and clean around them!).
    "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: 21,953 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 - £92
    October - £63
    "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
  • Doing great @jwil and having a proper working space should help massively! Have you any time off this week? Enjoy not having to do the school run 😊
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