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2022 - Moving forward
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Today's PAD - £7, Xmas Day and Boxing Day £2 each.
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £177
August - £115
September - £92
October - £87
November - £80
December - £70
"If you can dream it, you can do it". Walt Disney3 -
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 - £72
"If you can dream it, you can do it". Walt Disney1 -
Glad you had a good Xmas. Well done on the PADs. Enjoy your new books.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 29/7/252 -
I hope you enjoyed your quiet day. Which books did you get?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 -
savingholmes said:Glad you had a good Xmas. Well done on the PADs. Enjoy your new books.WinterWarrior said:I hope you enjoyed your quiet day. Which books did you get?
I got loads of different ones, some on kindle and some hard copy. Some crime, some fluff, some literature, horror, a comic book, some non fiction, cookbooks, a nice variety!
"If you can dream it, you can do it". Walt Disney2 -
Another quiet day today. I was going to take the kids out but there was an incident on the motorway and it was all closed so the roads would have been horrendous. So horrific for all involved
I think I'm going to re-read Marie Kondo, I seem to have lost my decluttering mojo and need to get it back again. I did put a few things out to go today, but just can't face the rest. I think it's because my stuff is mostly done, so I need to get stuff past the kids or DH to get rid of anything else and it's just such hard work (and there's so much, it's finding the motivation to start!)
I want to relook at my finances before the end of the week. At least this payday I'll know what my new takehome will be after the payrise. I've got a few ideas of organising, but I want to update my SOA. I'm going to move all my pots to a different account in the hope that if they aren't so visible, I might not dip in so much.
I've started thinking about my plans for next year. It's more of the usual really. I just need to be more organised and really plan in activities.
I just need to get some enthusiasm back. Everything seems to be overwhelming and a big job, so I need to break it down into something manageable to help get me started."If you can dream it, you can do it". Walt Disney4 -
I’m hopeless at decluttering, but I like clutterfreecarli on Instagram. If you can skim over the American 😬 (homeschooling, a tiny bit preachy, etc.) she’s good to follow. Very organised and focussed and kind.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/p13 -
WinterWarrior said:I’m hopeless at decluttering, but I like clutterfreecarli on Instagram. If you can skim over the American 😬 (homeschooling, a tiny bit preachy, etc.) she’s good to follow. Very organised and focussed and kind.
I don't really use instagram, but might have a look.
"If you can dream it, you can do it". Walt Disney1 -
I would love to declutter unfortunately Mr LH is of the opinion that all stuff might come in useful at some unspecified time. I do sneak things out sometimes but there is much more that is stashed in cupboards. Who else has boxes of floppy discs both used and new? We also have a selection of brolen electronics which he may or more likely may not look at in the future and so it goes on.I feel your pain.
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I'm a sneaker. No other way. Oh would keep everything in a pile on the floor. Kids love everything. Even a pooped balloon could be a Barbie dress. I admire there creativity but not the clutter. I agree with Jwill less clutter is better. And I'm finding I'm getting more so as I get older.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...4
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