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2022 - Moving forward
Comments
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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
"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 -
It's felt like a long time coming, but I'm finally on leave! No work until next year hurrah! I've cleared my inbox and caught up on all the urgent to do lists, so I feel like I can properly relax. Sod's law though there are rumours there will be a long awaited policy announcement tomorrow, so I might have a look at the detail on that so I'm prepped for going back. I did warn that I won't be there to write any briefing papers though! There's also one task which I left with someone else to find some data which I might need to resubmit. Hopefully not though.
Tomorrow's the last day of school for the kids, and I'll be attending little jwil's carol service. Swimming in the evening, then that's on a break for 2 weeks too.
I plan on just chilling for much of the time, pottering around and catching up on things I want to do. No pressure, the kids will enjoy chilling as well.
I won a big stocking full of chocolate in a school raffle today, the kids were so excited
"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 -
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 £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 29/7/252 -
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.3 -
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.3
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Yes, the compressed hours have helped. Today is my normal non working day and then two weeks off from Mondaysavingholmes said: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.
Thank youbeanielou said:Woohoo. Relax & enjoy.
THat's a good win.. 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. "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 - £37
"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'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."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 -
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 eachJan 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...1 -
@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 £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
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