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2022 - Moving forward
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🤞it's only a one off headache .
Other than that everything sounds really good .Hope everything works out smoothly with your folks move ..3 -
Thank you both
Test is negative thankfully, and headache has cleared with gallons of water and some paracetamol. Fingers crossed that's it!
My folks have got the house. It needs lots of work so they are not moving in immediately but at least its theirs now!
And I now have 4 days off, yay!"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 -
Great news on headache being gone, your folks having the house & your headache being gone 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 -
Thank youbeanielou said:Great news on headache being gone, your folks having the house & your headache being gone "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 -
Happy day off to me! And happy payday!
I've now seen my new pay after our 'pay rise' and I'm getting a whole £3 a month extra - go me! I'm excitedly considering what I am going to spend my new found wealth on
One item sold on ebay, and I've also done some stamps for the swap out, so I'll post those this morning. A birthday card too, and I'll order a voucher online as the gift.
I've got my course this morning and then will be dropping my steam cleaner and a couple of bits to my folks, so I don't think I'll achieve a lot today, but at least I've got time to do all that uninterrupted
I need to do the financials too.
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 McGee3 -
Happy pay day! Mine too, but I did the shuffle and now I’m broke 🤣
I got a small rise too…don’t forget some of the NI increase will have cancelled out the rise 😖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/p13 -
I'm holding out on the shuffle so I can feel rich for longerWinterWarrior said:Happy pay day! Mine too, but I did the shuffle and now I’m broke 🤣
I got a small rise too…don’t forget some of the NI increase will have cancelled out the rise 😖
Yes, it will be the NI, so should get some extra when that changes again. I'll have a look at my payslip and see how much I really got as a rise."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 -
I’m scared to hold out in case I accidentally spend it…which is utterly ridiculous 😬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/p12 -
Glad that the headache went and that your folks house all went through OK - that’s great news!As for pay - no rises here and we’ve seen the impact on MrEH’s pay this morning. Ouchy ouch. That reminds me, must do the transfer to the electricity buffer fund so I know that’s done…another £50 gone! 😭🎉 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/her1 -
Enjoy your long weekend. I imagine it will be similar for me on the pay rise until July when I think it's due to bounce back a little when the NI threshold changes.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
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