📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

2022 - Moving forward

16263656768192

Comments

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the new insoles work for you.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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). 
    Thank you :)  Funnily enough, I think it was triggered by one of my new pairs of trainers - they felt very flat while I was walking in them and not much cushioning.  

    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. 
    That's the problem, at least I have a chance of doing something about my weight, no chance with age!
    "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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the new insoles work for you.
    Thank you, fingers crossed!
    "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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    "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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I did a survey on the local wildlife trust's website the other day.  If your garden is 'wild' enough, they send you a plaque that you can put up.  I got one and will put it up to prove to the neighbours that I'm not lazy, it's a wildlife garden :D:D 
    "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: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    jwil said:
    I did a survey on the local wildlife trust's website the other day.  If your garden is 'wild' enough, they send you a plaque that you can put up.  I got one and will put it up to prove to the neighbours that I'm not lazy, it's a wildlife garden :D:D 
    How amazing.
    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.
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    jwil said:
    I did a survey on the local wildlife trust's website the other day.  If your garden is 'wild' enough, they send you a plaque that you can put up.  I got one and will put it up to prove to the neighbours that I'm not lazy, it's a wildlife garden :D:D 
    Ours is so wild I want a whole parade of Brambly Hedge animals presenting me with an award 🤣 (although a plaque would be lovely).
    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

  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    jwil said:
    I did a survey on the local wildlife trust's website the other day.  If your garden is 'wild' enough, they send you a plaque that you can put up.  I got one and will put it up to prove to the neighbours that I'm not lazy, it's a wildlife garden :D:D 
    How amazing.
    jwil said:
    I did a survey on the local wildlife trust's website the other day.  If your garden is 'wild' enough, they send you a plaque that you can put up.  I got one and will put it up to prove to the neighbours that I'm not lazy, it's a wildlife garden :D:D 
    Ours is so wild I want a whole parade of Brambly Hedge animals presenting me with an award 🤣 (although a plaque would be lovely).
    It's fab.  Both front and back are wild.  The back garden is just full of dandelions everywhere (we have no lawn).  I can't bring myself to pull them up as I love their yellowy sunshiny flowers :)  We have random flowers and plants popping up everywhere as they self seed.  Loads of poppies at the moment :)
    "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
    That sounds gorgeous! I love that wild gardens are always surprising. We normally have bluebells in one place, but just today I found a big new patch of them down the banking. I’m planning to plant some poppy seeds as that’s something we don’t have. Dandelions are really pretty.
    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

  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That sounds gorgeous! I love that wild gardens are always surprising. We normally have bluebells in one place, but just today I found a big new patch of them down the banking. I’m planning to plant some poppy seeds as that’s something we don’t have. Dandelions are really pretty.
    I don't know if I'm taking more notice this year than previously, but we seem to have loads more spread of everything this year.  There's a little purple flower in the garden which has gone everywhere, random primroses appeared by the shed, bluebells across one side of the garden, poppies have spread, and dandelions everywhere!  In the front garden we normally have a carpet of cyclamen in the autumn/winter, there's several different primroses out there at the moment.  My folks have got forget me not everywhere in their new garden so I'm going to try and plant that in the front to see if it will spread.  I might try and put some of the purple flowers out there as well (and I shall try and find out what they are!).
    "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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.