We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2022 - Moving forward
Comments
-
Well done on the PAD and the tidying. Glad you are all feeling healthier.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 PAD and the tidying. Glad you are all feeling healthier.
"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 - £80
December - £53
"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 -
Another quiet day, the kids are still full of cold, so don't really feel like inflicting them on people. (Our friends yesterday are the same, so we both agreed we might as well continue to see each other!).
I'm plodding along with some of the tasks, but not being able to relax properly because of the mess of all the toys etc we moved out of the kids bedroom for the electrics. I said I wasn't going to put any of it back until it was sorted through but I haven't really got the inclination to do so. So I've decided I'm going to move it up to the small room and worry about it after Christmas. It will remove the visual noise, and hopefully that nagging feeling that I should be getting on with it! I can then look through the units it is all stacked in front of first and hopefully clear some space to put it all. I won't be able to get it to charity or list it before Christmas so might as well get it out of the way."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 -
Good plan to move & deal after Christmas.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.2 -
It’s an excellent idea to remove the visual noise. We do that with the loft, but really do need to go through it all as it’s beginning to look like one of those Victorian attics where children find chests full of ancestral mysteries to solve, a bit spooky and very random 😁Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
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 - £55
"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 -
Thank you. Just making the decision made me feel better!beanielou said:Good plan to move & deal after Christmas.
Having seen what came out of our loft for the electrics, I despair! I do want to come and look through yours thoughWinterWarrior said:It’s an excellent idea to remove the visual noise. We do that with the loft, but really do need to go through it all as it’s beginning to look like one of those Victorian attics where children find chests full of ancestral mysteries to solve, a bit spooky and very random 😁
"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 -
We had a bad night last night. Little jwil coughing til he was sick, little miss started coughing too
They are fine during the day, and when they finally get to sleep it eases too, but it's just getting them to sleep. I didn't sleep well either.
However, I have got up and got on with things. Their bedding is in the wash. We've been out to drop some gifts off (didn't stop so as not to share the bug love), nipped into a supermarket masked up, and then took the dog for a walk to get some fresh air into them. We haven't been out all week which probably isn't helping. I've also finally tackled the annual oven clean, so have definitely achieved something today. I'm gradually moving the stuff upstairs as well."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 -
Hope everyone is better soon xI 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.2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.5K Work, Benefits & Business
- 599.8K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards