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2022 - Moving forward

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  • beanielou
    beanielou Posts: 95,639 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PADs.


    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
    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.

    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” !) 

    Nice PADIng - I cashed out Prolific yesterday so added to my “Gym neutral fund” - it all helps! 
    That's awful and just demonstrates how true it is.

    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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Nearly over £100 in pads this month  :)
    Passed it today, hurrah :grin:

    Well done on the PADs.


    Thank you :)
    "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 - £11

    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £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 McGee
  • beanielou
    beanielou Posts: 95,639 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    HUrrah for being over £100  :grin:
    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
    beanielou said:
    HUrrah for being over £100  :grin:
    Thank you :)
    "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 - £7

    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £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 McGee
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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