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2022 - Moving forward

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  • jwil
    jwil Posts: 21,927 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 - £87
    November - £80
    December - £35
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How lovely to have finished already. I wish I was. I know you doing compressed hours has helped with that though.

    Lovely win on the stocking 

    Enjoy the carols. I love singing.
    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
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Woohoo. Relax & enjoy.
    THat's a good win.
    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.
  • CRANKY40
    CRANKY40 Posts: 5,911 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    Oh how lovely. No work for ages and a little people carol service. I'm jealous of the carols - my House Troll is 18 now and won't even let me play Christmas music in the car  😂 Enjoy your time off. 
  • jwil
    jwil Posts: 21,927 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How lovely to have finished already. I wish I was. I know you doing compressed hours has helped with that though.

    Lovely win on the stocking 

    Enjoy the carols. I love singing.
    Yes, the compressed hours have helped.  Today is my normal non working day and then two weeks off from Monday :)  

    beanielou said:
    Woohoo. Relax & enjoy.
    THat's a good win.
    Thank you :).  We were pleased with the win.  It looked quite small in pictures but was much bigger than expected!  There are a few bits in there that we won't eat, so sending them over to the food bank, and hopefully some others can enjoy.

    CRANKY40 said:
    Oh how lovely. No work for ages and a little people carol service. I'm jealous of the carols - my House Troll is 18 now and won't even let me play Christmas music in the car  😂 Enjoy your time off. 

    Thank you :)  It is a nice long bit of time off, I'm very excited.  I love carols too, they don't seem to sing so many traditional ones any more, I hope they will this afternoon.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,927 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 - £87
    November - £80
    December - £37
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,927 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm very excited to see what my final PAD total will be at the end of the year.  I can't believe it's so much.  I thought it would wind up around £30 a month.

    It's my first day off today, hurrah!  I checked the policy earlier, and it hadn't been released then thankfully!

    I'm taking advantage of my last few hours alone to get the wrapping done.  Then I won't have to mess around in the evenings when the kids are in bed.

    My shopping has been delivered, and I've got another slot booked for Wednesday.  I've pretty much got everything now, just veg and a few fresh bits.  The veg offers weren't showing yet, so I'll stock up next week.  We got our turkey joint last weekend.  I didn't order one this year, as I wasn't sure what the prices would be.  I'm very glad I didn't, as the size we normally buy was £10 more than normal!  We did get one, but I normally order by value, so if I'd done that, it would have been tiny.
    "If you can dream it, you can do it". Walt Disney
  • Yay to time off and winning the raffle. Hope you manage to get everything done today. 
    I went for frozen turkey crown this year as dh working all Xmas and in-laws/parents not at ours so am thinking pizza and nuggets. Will check if that's defo what the kids want.
    I always find that hard if I order online. Never know how big a roast I've ordered when prices change or something has an offer on.
    Something to do with being at school when they swapped to metric so learning half of each 
    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...
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @CRANKY40 Adore the phrase house troll - I'd adopt it but would be worried about being beaten up ;)

    Hope carol service went well.
    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
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