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2022 - Moving forward
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I've finished at a decent time today which is good. I'm frustrated though as the time I had allocated for tackling my big urgent tasks is rapidly filling up with meetings that I can't turn down.
My GP texted me to say that they are holding a cervical smear testing open evening later this month. You can just drop in and have a test. That's good news as I've been meaning to book mine for ages, but just can't find a convenient time. This will mean I can tick off a frog from my to do list without any hassle with juggling work and school etc. Fab idea!
Sleep and diet still not great but I did make the effort to walk the kids to school this morning so small victory achieved.
"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 McGee3 -
Well done walking with the children. I find as long as I stick to TRE the damage of a poor diet tends not to be too great. You'll be back on track soon
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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Great news on the bargains.
Well done for ticking things off the health to do list.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
Thank youdoingitanyway said:Well done walking with the children. I find as long as I stick to TRE the damage of a poor diet tends not to be too great. You'll be back on track soon I really hope the TRE will be my saving grace and that I get myself organised again.
Thank yousavingholmes said:Great news on the bargains.
Well done for ticking things off the health to do list. "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 and £2 for every day this week.
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
August - £115
September - £92
October - £87
November - £26
"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 -
Such a busy week this week. I've achieved lots but still not completed lots too. Hopefully I'll have fewer meetings next week so can get on.
It's my weekend now though! Tomorrow little miss has an assembly and then I'm heading into town with my Mum. The kids have swimming in the evening. This weekend we are hoping to do the prep for the electrics, emptying the loft etc. I'm hoping they will confirm they've received the payment. They seem to contact on a Friday, so if I haven't heard anything tomorrow I'll message 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 McGee2 -
Whispers what is TRE?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 -
Time restricted eating - eat less hours of the day - better for the body and reduces the temptation windowbeanielou said:Whispers what is TRE?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/253 -
beanielou said:Whispers what is TRE?
Yes, exactly this. I try and eat all my food between 9am and 7pm - a 10 hour eating window with a 14 hour fast. Lots of studies have shown that eating like that rather than spread out over around 15 hours which most of us do, helps with blood sugars and other health outcomes, even if you don't change your diet. For me, I eat less too as no evening snacking.savingholmes said:
Time restricted eating - eat less hours of the day - better for the body and reduces the temptation windowbeanielou said:Whispers what is TRE?
10 hour eating window suits me really well and you can choose what hours suit your lifestyle best. Others do a 12 hour eating window, or an 8 hour eating window. 8 hours will probably get even better results, but 10 hours seems to be a sweet spot between seeing benefits and it actually being manageable for a lot of people. I think they suggest that where possible you stop eating 2-3 hours before bedtime but other than that you can do any window of time. You can drink water and unsweetened black tea/coffee outside of the eating window, but no milk or sugar or anything containing calories. Obviously continue to take any meds etc at normal times."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 - £6 and £2 yesterday.
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
August - £115
September - £92
October - £87
November - £34
"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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