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2022 - Moving forward
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Today's PAD - £2Jan - £126Feb - £106Mar - £136Apr - £122May - £113June - £108July - £177August - £115September - £92October - £87"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
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October update:
Debts:
1. £3,580/£3514
2. £4,654/£4578
Total: £8,234/£8092
Mortgage - £100,977.96/ £97,446.81
Savings:
LISA: £1186.25
Premium bonds £2000
Emergency fund: £71.23
Cash Buffer: £60
House improvement fund: £0"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 updated the finances but I need to redo my spreadsheet with the new accounts. I've shuffled money everywhere this month, so I'm confused as to what is what! Most of the money for the electrics I've popped into PBs so that I can withdraw it easily but also have a chance of winning something while it's there."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
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Declutter update:
774. Book
775. Lego lot
776. Work boots
777-784. Clothing
785-793. Pairs shoes
794. Game
795-796. Balloons
798. Pens
799-807. Keys
808. Ignition coil
809. Magazine toys
810-811. Gift bags
812-813. Ink cartridges
814-819. Bubble bottles
820-821. Comics
822. McDonalds toy
823. Mask
824. Artwork
825. Clay pots
826-827. Ignition things
828-830. Cups
831-832. Books
833. Car (!)
844-845. Wheels and tyres
846-852. Car parts
853-854. Sets keys
855. Paperwork
Declutter totals:Magazines/papers: 189Ebay parcels: 275Other: 855
Total: 1319
Ebay listings: 192
Survey/other earnings:Amazon: £60Paypal/cash: £365.19Other 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 McGee2 -
Impressive list as always.
Well done on celebrating insideAchieve 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:Impressive list as always.
Well done on celebrating inside
"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 - £87
November - £2"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 -
Happy November everyone!
I'm a bit worried as my DDs don't seem to have been taken from the new account. The money is in there, and they are showing in the list of payments, but nothing's gone. I'm hoping it will update maybe in banking hours.
We've also had the quote from the electrician. £2.7k to remedy the urgent issues and to do the work we wanted done. I'm minded to accept it. If I dip into all available pots, I can come up with it. I've still got the switching bonuses, and if the pay award goes through I should get a bit of back pay which can either contribute or can replenish some of the pots. DH will have a bit of a task to try and ensure there is enough space in the garage and loft to enable the work to be done.
I got barely any sleep last night with it all whirring around my head. Today will be fun.
Have a good day everyone."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 -
Phew logged on to banking and they have all come out. What a relief."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
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I would go for the electrical quote.
Glad the DD's came out.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.1
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