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2022 - Moving forward
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Hope today has been a better day.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 -
Hope the advice helps and you start to feel better soon. Regardless your upcoming break should help.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 -
beanielou said:Hope today has been a better day.
Thank you both. I managed to tick one big thing off yesterday and pass on another, so improving! I'm trying to have another big 'tick off' day today.savingholmes said:Hope the advice helps and you start to feel better soon. Regardless your upcoming break should help."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 - £2Jan - £126Feb - £106Mar - £136Apr - £19"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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The PADs are creeping up. Well done.
Sounds like the work pile is improving.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 29/7/253 -
Thank yousavingholmes said:The PADs are creeping up. Well done.
Sounds like the work pile is improving.
It's getting there. 2 more days.... "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 - £3Jan - £126Feb - £106Mar - £136Apr - £22"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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Another PAD done. I also round my account down or send £1 to my savings each day, but I regularly dip into that so it doesn't count in the same way.
2 days to go. I've not been sleeping well, probably work filtering in. Yesterday wasn't as productive as I'd hoped, but a couple of things progressed. I also had conversations with HR and the MD about my new working pattern and everyone seems happy and everything is sorted so that's all good news. Tomorrow will be the last Friday I work unless exceptional circumstances
One non-payer on ebay 😡 so that's been cancelled.
I'll try and catch up with surveys later as I'm close to cashing out on a couple.
Little miss has put out a bag of stuff she wants to sell to raise money for Ukraine 😍. I'll have a look through and see what she's put out. Might try to do a car boot sale soon. Worst comes to the worst I'll give her the money and make the donation with her."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 -
Aww that's really sweet of Little Miss - I hope her stuff sells, she'll be so chuffed I bet!
That's good progress on the PADing too - it definitely mounts up!🎉 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/her2 -
So sweet of Little Miss
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.2
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