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2022 - Moving forward
Comments
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If you get to the beach have a lovely time but I assume it will be my town you are visiting and it is raining. Happy new year anyway.
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Happy New Year xx2
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Ju8st awesome xxI 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 -
Great financials - well done
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Happy New Year Jwil. You achieved great PADs in 2022 and are on track for your MFW goal.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 you everyone Happy New Year, and thank you to everyone who has read, posted, given me a kick up the rear or encouraged me this year, I really appreciate it "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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We did get to the beach yesterday, but Exmouth so I think a bit further south? It stayed dry til the afternoon thankfully.ladyholly said:If you get to the beach have a lovely time but I assume it will be my town you are visiting and it is raining. Happy new year anyway."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 -
Hope everyone is well.
We had a nice day yesterday, morning at Exmouth and the afternoon on Dartmoor. It was nice to blow the cobwebs away.
This morning we've taken down the decorations, leaving the lights for a few more days. I've done a good clean around, and nagged persuaded DH to get on with sorting a couple of bits he wanted to look at before we got rid of. I've listed 4 bulky items on FB, so I am hoping that someone will want them as it will be nice to see the back of them!
We've made a start on the 2023 declutter list, so I can totalise from last year now.
Still trying to get my thoughts together for plans for this year.
"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 McGee4 -
Declutter update:
883. Trainers
884. Book
885. Socks
886. Bed
887. Mattress
888. Pen
889. Book
890. Herbs
891. Light shade
892. Batteries
893. Book
894. mini radiator
895. Christmas tree
896-897. Light shades
898-997. DVDs
998. Business cards
999. Notebook
1000. Bulbs
1001-1009. Clothing
1110. Dog shampoo
1111. Covid test spares
1112-1117. Books
1118. Timer
1119. Belt
1120. Shoes
1121. Sock
1122. Pen
1123. Bird feeder
Declutter totals:Magazines/papers: 214Ebay parcels: 287Other: 1123
Total: 1624
Ebay listings: 202
Survey/other earnings:Amazon: £75Paypal/cash: £383.71Other vouchers:£40"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 -
Today's PAD - £2, yesterday £4.
Jan - £6
"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
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