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2022 - Moving forward
Comments
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That's amazing, well doneJan 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 -
Fantastic financial round up. Great as you say that you were able to play £2.7K for electric with savings.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 youNeverendingDMP said:That's amazing, well done
Thank yousavingholmes said:Fantastic financial round up. Great as you say that you were able to play £2.7K for electric with savings. Yes, that's a miracle in itself 
"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 -
Payday today, so I've been trying to organise my finances.
I've done a new SOA which I think includes everything. The good news is it all adds up - just! I want to set up some new pots to try and build those savings, including for all the annual bills. I need to be careful with frivolous spending to enable me to do that.
I've done house insurance, and hopefully will get a small amount of cashback. I'd forgotten it's almost the council tax and water 'free' months, so I can hopefully put that aside towards the next batch of electrics."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 -
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 - £78
Total for the year: £1340
"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 -
Not much planned for today. DH is off now til Tuesday so tomorrow we will probably go for our traditional trip to the seaside.
I'll wait to update the declutter list in case I can add a few last minute items
Just going to tidy round and chill. I'm debating on taking the tree down but might leave it until tomorrow or Monday."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 -
You’ve done amazing whilst still having a life 😀Sealed pot challenge 822
Jan - £176.66 :j2 -
That’s amazing progress this year jwil. You’ve done fantastically ⭐️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 -
Well done for such great progress 👍2
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