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2022 - Moving forward

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Comments

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Doing well still on the PADs
    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
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yep - PADs creeping up there - good work! 
    🎉 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
  • jwil
    jwil Posts: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you both :)  Another good one today due to surveys :)
    "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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £9
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £93
    "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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've worn my trainers for the whole day today, and not a smidgen of foot pain!  It's a miracle.  They are so comfortable when walking too.  Worth every penny for sure!


    "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
  • satchmo1
    satchmo1 Posts: 3,232 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hurray to the new, comfy trainers. Look after your feet and they'll look after you.
    What would you get if all you got was what you were thankful for?
  • beanielou
    beanielou Posts: 95,678 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are on fire with pads  :grin:
    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.
  • jwil
    jwil Posts: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    satchmo1 said:
    Hurray to the new, comfy trainers. Look after your feet and they'll look after you.
    Thank you :)  That's a lesson I've learned the hard way!

    beanielou said:
    You are on fire with pads  :grin:
    Thank you :)  I really want the mortgage gone, so it's keeping me motivated :)
    "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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £4 - little bit of cash back
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £97
    "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
  • another_casualty
    another_casualty Posts: 6,506 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    jwil said:
    I've worn my trainers for the whole day today, and not a smidgen of foot pain!  It's a miracle.  They are so comfortable when walking too.  Worth every penny for sure!


    Great stuff ! 😼👍
    If it's do able , it might be an idea to keep an eye out in case these are discounted in a sale etc . in a few months or so . If something works it's best to stick with it.
    I'll leave it there 😼..
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