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2022 - Moving forward
Comments
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Well done on the pad, surveys and overpayments, pennies really do make pounds don't they when you look back on it. What a nice achievement top top 100 a month. And the best bit is that's a part of the mortgage you will never have to pay interest on again xxJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 nov 25- just over 64k
June 25 Debts in my name were £5170. Now 7150 (Nov 25)3 -
Well done on your Pads etc. It all helps. I think my overpayments may drop a bit with rising prices to contend with.
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Thank you, it really does add up!NeverendingDMP said:Well done on the pad, surveys and overpayments, pennies really do make pounds don't they when you look back on it. What a nice achievement top top 100 a month. And the best bit is that's a part of the mortgage you will never have to pay interest on again xx
Thank you. Yes, I'm trying to keep it all going, but will have to see how it goes with everything. It's all such a squeeze.ladyholly said:Well done on your Pads etc. It all helps. I think my overpayments may drop a bit with rising prices to contend with.
"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 -
Another survey payment today so updated April's total.
an - £126
Feb - £106
Mar - £136
Apr - £13
"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 -
Great on the PADs.
I agree it is a squeeze. I woke up thinking 'where can I make savings' Hate that that is my first thought of the day If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20254 -
Thank you. It's all so hard. I think we're going to be ok for this phase as long as we stay frugal, but come October it will be a big shock!doingitanyway said:Great on the PADs.
I agree it is a squeeze. I woke up thinking 'where can I make savings' Hate that that is my first thought of the day"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 -
I forgot to mention the other day, I had a reply from my other creditor about the F&F. They countered with a £1k discount, which would be ok, but I can't afford it. Much as I'd love to see the back of these, they can be parked whilst I concentrate on the mortgage and getting the EF back up. I'll maybe have another go next 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 McGee5
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Well done on the PADs - as you say you must be earning more than you think from sales, surveys etc.
Shame about the FF.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/252 -
Thank yousavingholmes said:Well done on the PADs - as you say you must be earning more than you think from sales, surveys etc.
Shame about the FF.
"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 PADJan - £126Feb - £106Mar - £136Apr - £15"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
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