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2022 - Moving forward

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  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    My plants are lesser periwinkle according to the app! It’s supposed to do animals too, but couldn’t recognise dog or MrWW 😂
    Lavender is good for bees and butterflies…or buddlea or honeysuckle if you’ve room for something bigger? 
    you’ve been very busy. 
    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

  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Our local bees can frequently be found crawling all over our pulmonaria (or "Spotty-leaf plant" as MrEH always calls it!) which may be of use/interest to anyone anting something lower-lying for bee-attraction. 
    🎉 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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like no dig jwil for the same reason.
    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
    My plants are lesser periwinkle according to the app! It’s supposed to do animals too, but couldn’t recognise dog or MrWW 😂
    Lavender is good for bees and butterflies…or buddlea or honeysuckle if you’ve room for something bigger? 
    you’ve been very busy. 
    Ooh, I might have to check with the app, because that looks kind of similar too!

    I have a spot planned for lavender elsewhere, so want something different.  I might have space for buddlea or honeysuckle in one of the patches - thank you!

    Our local bees can frequently be found crawling all over our pulmonaria (or "Spotty-leaf plant" as MrEH always calls it!) which may be of use/interest to anyone anting something lower-lying for bee-attraction. 
    Thank you!  Just googled it, that's definitely an option.

    I like no dig jwil for the same reason.
    I'd heard of it, but didn't really know what it was about.  Once reading about it it makes sense.
    "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 - £6 (PA cashout), yesterday's £5 (lottery win)

    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £15
    "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
    We've joined National Trust for the year.  We have a couple of weekends booked away, so hope that we can make good use of it, as well as locally.  Our mission is to see if we can get close to the membership value in parking alone :D 

    I've also booked us tickets for the British Geological Survey open day next month.  I've always wanted to go.  So we need to find a couple of days cheap accommodation near Nottingham.  DH has booked the Friday off and the kids have an inset day so we can go up on the Friday and see a new area.
    "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
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just caught up. You’re doing so well @jwil really loving all your gardening chat x
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just caught up. You’re doing so well @jwil really loving all your gardening chat x
    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: 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
    May - £17
    "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
    Four items sold yesterday so another bit of stuff 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 McGee
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