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2022 - Moving forward

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  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    EssexHebridean said:
    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! 
    Thank you :)  She's really sweet, but she's a hard saleswoman too, people won't have a chance :D   

    beanielou said:
    So sweet of Little Miss  :love:
    She's so caring, it's lovely to see, I am so proud of 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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    One day left (I'm not counting at all :D:D )  It's going to be so hard, tomorrow has filled up with meetings so I've got loads to do and no time! I'm going to get up early and I am going to finish by hook or by crook!  Good things though - no school run.  I do have to finish at 3.30 though as the kids are booked in for their Covid jabs.  That will be fun!  Little jwil is very anxious, little miss is excited :D   I'll probably bribe them with McDonalds or something.

    Cashed out on PA today so I've got some more to PAD tomorrow.

    Saturday I get to collect my expensive glasses - at least they are paid for so I don't have that shock again.  I'm going to have a mooch around town while there.
    "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 McGee
  • beanielou
    beanielou Posts: 95,625 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy last Friday.
    Your eyesight is priceless.

    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Happy last Friday.
    Your eyesight is priceless.

    Agree with this. 

    Little Miss has a good heart like her Mum. Hope the jabs go okay and the glass are as you hope.
    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
  • another_casualty
    another_casualty Posts: 6,506 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ah, the long good Friday 😼
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Happy last Friday.
    Your eyesight is priceless.

    Thank you :)  Yes, you are right of course!

    savingholmes said:
    beanielou said:
    Happy last Friday.
    Your eyesight is priceless.

    Agree with this. 

    Little Miss has a good heart like her Mum. Hope the jabs go okay and the glass are as you hope.
    Thank you :)

    another_casualty said:
    Ah, the long good Friday 😼
    Hurrah!! :)
    "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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well it's been and gone, my last Friday!  :grin:  I worked my !!!!!! off!  The kids were home and glued to screens all day.  I don't feel guilty as it meant they left me alone so I could concentrate.

    I didn't get everything I'd hoped done due to meetings going on forever, but I did get everything urgent done so I am happy :)

    Took the kids for their jabs this afternoon, and little jwil has had his fine.  I'd miscalculated little miss's 12 weeks since Covid and was a couple of days out, so I have rebooked hers for next week.  I'm very proud of little jwil as he was so anxious.

    It seems really trite, but it feels like a new start now.  I have two weeks off and then straight back into my new hours. I really hope it works out as well as I am anticipating!

    Because I have that extra day now, I haven't put loads of pressure on myself to achieve loads these holidays, I can hopefully just chill and spend time with the kids!   I've got the boiler service due next week so that will encourage me to give the kitchen a good clean, and I better crack out my radiator cleaning brush that's been in the box since I bought it :D 

    A nice PAD of £12 today thanks to surveys :)
    "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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £12

    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £34
    "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 McGee
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the survey £. Glad today went okay and you finally have some much needed time off.
    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
  • beanielou
    beanielou Posts: 95,625 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done to Master J :grin:

    A new chapter begins.
    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.
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