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2022 - Moving forward

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  • NeverendingDMP
    NeverendingDMP Posts: 2,200 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    That's amazing, well done
    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...
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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 29/7/25
  • jwil
    jwil Posts: 21,918 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    That is so so awesome. 
    Be very proud xx
    Thank you :)
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,918 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    NeverendingDMP said:
    That's amazing, well done
    Thank you :)

    savingholmes said:
    Fantastic financial round up. Great as you say that you were able to play £2.7K for electric with savings.
    Thank you :)  Yes, that's a miracle in itself :D 
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,918 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,918 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 :grin:
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,918 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 :D  

    Just going to tidy round and chill.  I'm debating on taking the tree down but might leave it until tomorrow or Monday.
    "If you can dream it, you can do it". Walt Disney
  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You’ve done amazing whilst still having a life 😀
    Sealed pot challenge 822

    Jan - £176.66 :j
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    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/p1

  • CRANKY40
    CRANKY40 Posts: 5,911 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    Well done for such great progress 👍
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