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2022 - Moving forward
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Hope your muscle settles down soon.I have also done another bundle for swap out.Great minds. 😊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.1 -
Definitely great mindsbeanielou said:Hope your muscle settles down soon.I have also done another bundle for swap out.Great minds. 😊
I don't like the thought of doing it all at once, so will do them a bit at a time. This will be most of them for me now, I'll wait until later in the year until I see what I've managed to use now I think. "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 McGee0 -
I split mine into two.
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.1 -
Great progress on the PADs and decluttering. Sorry to hear you are in pain. Hope things improve soon.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 29/7/251 -
Yes, mine will have been two lots unless I do a mop up session later in the year for any I haven't been able to use. Did you mix large letter and normal stamps? I have only sent back the normal so far, but I don't have too many large letter left.beanielou said:I split mine into two.
Thank yousavingholmes said:Great progress on the PADs and decluttering. Sorry to hear you are in pain. Hope things improve soon.
"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 McGee0 -
Today's PAD - £3Jan - £126Feb - £106Mar - £136Apr - £122May - £62"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
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I've sold the two items I listed the other day, hurrah! Only a small amount as they were just going into the recycling (magazines), but it's a few pence to PAD.
The kids have also sold an item so another 3 items gone.
Hope everyone is well."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 -
Morning jwill just caught up the last few days and I really thing we could be twins! I am also doing the pre-diabetes course but find myself doing other stuff as it just isn't motivating and I am also carrying an extra person round, can't get up off the floor in any kind of dignified manner 🤦♀️ and so on. I know i need to lose weight and i know i need to eat less move more but can i motivate myself?? Can i ask about the stamp swap out you mention as i have loads of the blumming things!
Have a lovely day xx3 -
Oh my goodness, we really are twins! I'm glad it's not just me about the course. I'm on the FB group and people are saying they are so motivated, and I'm just... not! I think it's because all the early sessions are learning about healthy eating, and honestly, I know it all, I just don't do it! Hoping that the next sessions will be more motivational.BalanceBy50 said:Morning jwill just caught up the last few days and I really thing we could be twins! I am also doing the pre-diabetes course but find myself doing other stuff as it just isn't motivating and I am also carrying an extra person round, can't get up off the floor in any kind of dignified manner 🤦♀️ and so on. I know i need to lose weight and i know i need to eat less move more but can i motivate myself?? Can i ask about the stamp swap out you mention as i have loads of the blumming things!
Have a lovely day xx
The stamp swap out is easy - just print out the form https://www.royalmail.com/sites/royalmail.com/files/2022-05/Stamp-Swap-Out-Form-under-200-pounds-v1_3.pdf and post it with the stamps to the Freepost address. It took a couple of weeks to come back, but that was including the bank holiday."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 -
Hurrah, I'm on my weekend now
Hectic day today. I had to finish early to take the kids to the optician. Little miss tried to fake it as she wants glasses 🤦♀️ Luckily, they both have perfect vision, so nothing needed!
Not much planned for the weekend. It's been a busy few weeks so tomorrow I am planning on just chilling and pottering."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
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