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2022 - Moving forward
Comments
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Nearly over £100 in pads this month
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 -
Well done on the PADs.
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 10/10/253 -
That's awful and just demonstrates how true it is.EssexHebridean said:
My anaemia partly ended up undiagnosed for so long because I was tremendously reluctant to go to the Dr after it ALWAYS turning into a stand-off about them insisting they needed to weigh me and me insisting they didn’t. That was around 2015 - 2016 - and even at that stage I knew that scales/weight was a massively problematic issue for me - although as I said I’ve always escaped an eating disorder my relationship with food and my body was horrific - I was a prime candidate for all the “sugar is as toxic as cocaine” type nonsense that does the rounds, but thankfully there was always a bit of me that remained rational enough to remember that trying to completely cut out a food like that without solid reason (and medical supervision) wasn’t a great idea - otherwise I suspect I’d have ended up with orthorexia. So the whole “just hop onto the scales” conversation regardless of what I’d gone in about lead to me simply avoiding going at all costs, and fast forward to autumn 2017 and I found myself as an emergency admission to hospital with iron levels so low I should technically have been unconscious. 😬 So yes - I’ll wholeheartedly back up the viewpoint that weight stigma in the medical world can make people’s health worse the pan them carrying a bit of extra weight! (It’s almost entirely women that suffer from this too - my other half has NEVER been lectured about his weight at the GP’s in spite of also appearing “overweight” !)jwil said:
It really woke me up to the prejudice we face though - I get put off going to the doctors because everything gets blamed on my weight, regardless of the issue. There's some interesting reading about the negative outcomes from fat being partly because people are reluctant to seek treatment for issues because of their weight, rather than solely caused by their weight.
Nice PADIng - I cashed out Prolific yesterday so added to my “Gym neutral fund” - it all helps!
Well done on adding to the gym neutral fund! That's a great idea."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 -
Passed it today, hurrahbeanielou said:Nearly over £100 in pads this month

Thank yousavingholmes said:Well done on the PADs.
"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 - £11Jan - £126Feb - £106Mar - £136Apr - £103"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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HUrrah for being over £100
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 -
Today's PAD - £7Jan - £126Feb - £106Mar - £136Apr - £110"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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Morning everyone. I'm pleased with my PAD totals for the month

Feeling a bit grotty today, I woke at 4am with a splitting headache. I'm pretty sure it's dehydration as I spent yesterday afternoon unexpectedly transporting people and vehicles around the county. Hopefully it will clear with lots of water, but I will test just in case as little jwil's covid started with a headache.
Today is my Friday
I'm very excited about that, though because of yesterday's activities I have shedloads to catch up on. I've rearranged my pre-diabetes courses to Fridays which means my next one is tomorrow rather than next week, but that's fine.
My folks are due to complete on their new house today, so they will be in 15 min walking distance from us, it's so exciting.
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 McGee5 -
All good news apart from the headache then - and yes, we both had headaches with Covid too, in fact for me it was one of the last symptoms to go albeit it was just for a relatively short period when I first woke up each day. Still annoying though! Hopefully yours will just be the dehydration thing though and your test is clear.And Thursdays are usually my Fridays too - it’s a lovely feeling!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3
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