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2022 - Moving forward
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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 - £59
"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 -
Happy Christmas Eve everyone!
DH has ventured to the supermarket, me and the kids are chilling. We will go and see some relatives this morning, and then that will be us until Boxing Day. We have BIL coming tomorrow. I'm happy that I'm done now apart from just the kitchen and the bathroom. I'll prep as much as I can today for Christmas Dinner as well. We'll have takeaway tonight so no cooking needed there.
In case I don't get on again, hope everyone has a lovely, restful Christmas. 🎄🎄🎄🎄🎁🎁🎁🎁🥳🥳🥳🥳"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 -
I also have the black sheets, they help a lot 😁savingholmes said:@WinterWarrior I am the same with the oven. I do have some black sheets at the bottom that can be taken out and washed.
Good luck with the oven clean Jwil. Hope you all recover soon.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/p11 -
Happy Christmas jwil. I hope you and the family have a wonderful time xxNot 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 -
Happy Christmas and have a great time.
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Hope you are having fun in the Jwil house.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 29/7/250 -
Hope you have been having a lovely Christmas break xJan 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...2 -
Hope you have had a good time 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 -
Hope you had a lovely Christmas & that everyone is feeling much better xx2
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Thank you everyone
We had a nice Christmas and I have a nice pile of books to work my way through 
DH is back to work today, and I'm having a quiet one as I'm all peopled out so looking forward to a bit of peace. Today I will try and make a start on finding a home for all the gifts as well and organising all the goodies we were given too. The kids are engrossed in their gifts so not bothered.
I have continued PADding so need to update my totals. I've cashed out from a survey site, so sent that over this morning."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
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