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2022 - Moving forward
Comments
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Good news about the last default. My last one came off in October. Feels like you have finally served your dues when it goes.
And fantastic that you have got the electric work done. You have been saving up for it so it's well deserved 🙂Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...3 -
Well for the first time in about a week, I managed to sleep last night without being raised up and without waking every couple of hours with a coughing fit. I feel like a new woman!
It's been so nice having the quiet weekend, and I'm really looking forward to a good rest over Christmas. I want to get stuck in to stuff around the house.
We picked up little jwil's bed yesterday and the mattress was delivered. It's a nice solid pine bed and much bigger than his previous bed. He will love it. We put the bed frame up yesterday, but he used his old mattress as the new one is airing. I'll pop it on the bed today.
We are taking the kids to see Santa later, but other than that, a nice quiet day planned again.
I'll have to go back and see what my plans for this year were and what progress I've made. We've seen a good amount of stuff leave the house this year, and the electric work being done means we have finally made progress on improving the house. It's also got DH interested in doing some more which is good. Hopefully we can make a lot more progress next year.
All ebay listings have been ended for now, so that will be a nice break too. Hopefully DH will take the time to review his listings and do something with those which have been on for ages."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 -
NeverendingDMP said:Good news about the last default. My last one came off in October. Feels like you have finally served your dues when it goes.
And fantastic that you have got the electric work done. You have been saving up for it so it's well deserved 🙂
Thank you
It is nice to see the back of them. It seems such a long time when they are first applied, but it really goes so quickly, "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 -
Please remind me, what are PADs?2
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It's a Payment A Day - making a small payment to your debt every day. I do £2 a day to the mortgage, but if I'm skint, have even sent 1p in the past. It's surprising how it adds up and how I don't miss the cash. It's a good way of feeling like you are making progress, even when all the big wins have been done. I also PAD survey money and any other extras if I can.YAHDi said:Please remind me, what are PADs?"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 -
Well done on the on-going PADs.
It's great your DH is getting more on board with the decluttering and home improvement.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 yousavingholmes said:Well done on the on-going PADs.
It's great your DH is getting more on board with the decluttering and home improvement. Long may it last! "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 -
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 - £80
December - £24
"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 -
Survey cashout so: Today's PAD - £7
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
August - £115
September - £92
October - £87
November - £80
December - £31
"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 -
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 - £80
December - £33
"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 McGee5
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