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2022 - Moving forward
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Declutter update:114-115. Pens
116. Socks
117. Bandage
118-120. Soft toys
121. Shepherd costume
122-123. Pens
124. Puzzle
125. Kinder toy
126-128. McDonalds toys
129. Bowl
130-131. Pens
132. Tape measure
133. Fairy wings
134-135. Drinking GlassesDeclutter totals:Magazines/papers: 26Ebay parcels: 96Other: 135
Total: 257
Ebay listings: 84
Survey/other earnings:Amazon: £20Paypal/cash: £50.19Other vouchers:£0"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've done my totalising a bit early as not much is likely to change now other than my PADs.
I think today it's starting to sink in a bit about the compressed hours, I keep thinking I'll have time to do stuff now. I won't have to cram everything into my holidays in the hope of getting things done, and will be able to enjoy more time with the kids. And if I have a CBA day, it won't matter so much as I'll have another day the following week. It will be interesting to see how it all works out and what a difference it makes.
I don't think in reality it will make that much of a difference to my working day apart from the extra day in the office, as I do long days anyway. It just means I won't build up so much flexi, and I won't have so much need for that 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 McGee4 -
DEcluttering looking great.
Mine has ground to a halt.I 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.5 -
Mallory towers is available on bbc iplayer including the first series - series 2 is the one on BBC 2 I think.
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Thank youladyholly said:Mallory towers is available on bbc iplayer including the first series - series 2 is the one on BBC 2 I think.
I 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.3 -
Brilliant decluttering there - I've reached a bit of a stalling point with mine at the moment, we had a HUGE declutter session just before lockdown 1 - I was SO glad we'd done it as it made the place far nicer to be in so much of the time! There is certainly still stuff that can go I think, it's just a case of working out what, plus mrEH is responsible for some of it and that's like dangling a microscopically small carrot in front of an elderly, partially sighted and slightly arthritic donkey, the speed that process moves at.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
It could be better, so I'm hoping to make more of an effort. You made a good start though!beanielou said:DEcluttering looking great.
Mine has ground to a halt.
Thank you, I shall look it upladyholly said:Mallory towers is available on bbc iplayer including the first series - series 2 is the one on BBC 2 I think.
Haha Mr Jwil is the same!EssexHebridean said:Brilliant decluttering there - I've reached a bit of a stalling point with mine at the moment, we had a HUGE declutter session just before lockdown 1 - I was SO glad we'd done it as it made the place far nicer to be in so much of the time! There is certainly still stuff that can go I think, it's just a case of working out what, plus mrEH is responsible for some of it and that's like dangling a microscopically small carrot in front of an elderly, partially sighted and slightly arthritic donkey, the speed that process moves at.
Most of mine has gone now, though there is still more to do, but he's got loads. It is a lot better than it was though, so it's getting there extremely slowly! "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 -
EH - you made me laugh. Well done on the decluttering GAP. Fancy doing mine?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 -
So much still to do here!savingholmes said:EH - you made me laugh. Well done on the decluttering GAP. Fancy doing mine?"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 -
Happy weekend everyone! Work has been crazy busy and next week's going to be really hectic trying to get everything done, but then I've got two weeks off and then I start my new hours! I'm getting excited now
Not much done this week or today, the house is a mess! DH is sorting so I can't clean. That's my excuse and I'm sticking to it
I thought it might be a good idea to monitor my PADs to keep an eye on how much I'm overpaying the mortgage. Obviously at the moment, I am going to be nowhere near the overpayment limit, but as time goes on I might get closer, so I'm going to try and keep an eye on my totals.
I've added up what I've done so far this year and am pleasantly surprised! Not including normal monthly payments I have paid a total of:
Jan - £126
Feb - £106
Mar - £136
Apr - £8
I send over £1 a day from my bank account - more if I'm feeling flush at the start of the month, and any survey money/sales money I get. I'm amazed at how it adds up! With my normal PADs alone, I'd have about £30- £50 a month, so I must have earned a lot from surveys and sales! I didn't realise it was that much."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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