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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
    Well I used the radiator brush, I've never seen so much dust 😱  I gave the front room a good clean, and pulled out the sofa to clean behind and sort out the block that stops it knocking the TV aerial (swearing a lot at DH as I had to move loads of stuff for a job that should have taken 5 minutes!).

    The kitchen is clean!  I even cleaned the windows!  It looks so much fresher and brighter in there.  The boiler service is all done and no probs, so hopefully that's it for another year.

    I also made a start on tidying our bedroom but didn't get too far with that as it was nearly time for the kids to go out.  They had a lovely afternoon and I got a few hours peace, in which I just sat and read :smiley:

    Having time off makes life so much easier.  I've naturally been eating more healthily as I've got more time to prepare stuff so I don't grab and go as much.  But I think having the house tidier makes a lot of difference to my motivation as well.  Hopefully my extra day off and the ability to keep on top of things better will mean I can keep going.  I do need to sort out prepping food though as the four days I'm working will be hectic.

    We've got no plans for the next couple of days.  I have to join a work meeting tomorrow but hopefully just an hour.  Little miss has her re-booked vaccine on Friday but other than that, we can chill and do stuff at home or locally.  I don't really fancy travelling too far as the traffic will probably be a nightmare the next few 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 McGee
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the dusting and the PADs. Sounds like things are going well.
    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: 95,627 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You could do another half a hour in the bedroom. Every little helps. 😊
    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.
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the dusting and the PADs. Sounds like things are going well.
    Thank you :)

    beanielou said:
    You could do another half a hour in the bedroom. Every little helps. 😊
    You are right - it's surprising how much I can get done even in 15 minutes, so I shall make an effort today :)
    "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
    Another small sale yesterday so that has been my PAD today.

    I'm shattered today, I haven't been sleeping well, I seem to have a busy mind!  So a quieter day today I think, though I shall make the effort to do short stints as a minimum.  It's nice to see the house feeling a bit cleaner and tidier.  Little miss says she didn't sleep well yesterday either, so she's made a den in the front room and snuggled in.  Little jwil is always happy to chill out.  I've got this meeting at 9 which is annoying, but as a colleague is off sick and the other is overseas, I needed to be there really as there are deadlines.  At least it should be over by 10.

    It's very grey and dismal out there today.  Come back sun!

    Have a good day everyone :)
    "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 - £4

    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £48
    "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
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    A den sounds a wonderful idea. Perhaps I should build one and work inside it 😁 Unfortunately my dog is gormless so it wouldn’t stay standing without bricks and mortar, but it’s such a nice idea! 
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A den sounds a wonderful idea. Perhaps I should build one and work inside it 😁 Unfortunately my dog is gormless so it wouldn’t stay standing without bricks and mortar, but it’s such a nice idea! 
    I fancy a den too. A little cocoon safe from the world. 
    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
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A den sounds a wonderful idea. Perhaps I should build one and work inside it 😁 Unfortunately my dog is gormless so it wouldn’t stay standing without bricks and mortar, but it’s such a nice idea! 
    A den sounds a wonderful idea. Perhaps I should build one and work inside it 😁 Unfortunately my dog is gormless so it wouldn’t stay standing without bricks and mortar, but it’s such a nice idea! 
    I fancy a den too. A little cocoon safe from the world. 
    I'd love a den too, it looked very comfortable!
    "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
    My 1 hr meeting went on for 3.5 hrs!!  I was so annoyed by the end of it, that's half a day's work!  So I didn't really achieve anything in the end today.

    Tomorrow's another 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 McGee
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