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2022 - Moving forward
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Thank you, enjoy yours toosavingholmes said: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.
"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 McGee1 -
March update:
Debts:
1. £3,580/£3556
2. £4,654/£4626
Total: £8,234/£8182
Mortgage - £100,977.96/ £98,354.26
Savings:
LISA: £960
Premium bonds £625
Emergency fund: £120.05
Cash Buffer: £210
House improvement fund: £50"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 -
Declutter update:136. Pen
137-138. Lego lots
139. Work boots
140. Trolley bag
141. Hot water bottle
142-143. Packets
144-145. Trousers
146. Shopping bag
147. Sand table
148. Toy garage
149. Paints
150. Wallet
151-156. Books
157. Playmat
158. BuntingDeclutter totals:Magazines/papers: 33Ebay parcels: 108Other: 158
Total: 299
Ebay listings: 96
Survey/other earnings:Amazon: £25Paypal/cash: £71.80Other vouchers:£0"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 -
Today's PAD - £10Jan - £126Feb - £106Mar - £136Apr - £120"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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Don't get too carried away now with that 3 quid jwil
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.2 -
Woo hoo on the PAD.
Well done on the decluttering mission tooAchieve 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 -
My life has changed for sure!beanielou said:Don't get too carried away now with that 3 quid jwil
Thank yousavingholmes said:Woo hoo on the PAD.
Well done on the decluttering mission too "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 -
My foot was so painful yesterday, but I did manage to walk the kids to school. According to the NHS website it's most likely plantar fasciitis and they recommend treating at home for 2 weeks. (And they'd just tell me to lose weight anyway 🙄). So I have looked up their recommended stretching activities and also have ordered some special support socks and insoles which should arrive today. Hopefully they will make a difference! I did the stretching yesterday and went to bed early to keep my weight off it, and it's eased a lot today thankfully.
I get that my weight will be impacting it, but with the best will in the world, it would take months/years to get to a healthier weight, so it's not a solution in the short term!
Swimming today, then we'll pop in to see my folks, then a quiet afternoon planned to try and rest it again.
I've done the money shuffle, and finances are tighter this month, but hopefully ok. We should get our council tax rebate next week so I'll drop that into savings to hopefully buffer the winter!"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 -
The insoles for PF do feel like walking on golf balls initially, but you get used to them surprisingly fast. Hope they help - it’s flipping painful! (In case you’ve not found the info by the way it’s frequently triggered by too much time spent in completely flat shoes so that’s something to consider).🎉 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/her2 -
That’s the trouble going to the doctors for anything…if it’s not your weight it’s your age 😖 I hope it gets better soon.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
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