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2022 - Moving forward
Comments
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Doing well still on the PADsAchieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20282 -
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 at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00 at 31/12/25 = £ 91,100.00
Balance as at 31/08/26 = £ 84,500.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
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 McGee3 -
Today's PAD - £9Jan - £126Feb - £106Mar - £136Apr - £122May - £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 McGee1
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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 McGee4 -
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?3
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You are on fire with pads
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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.
One debt remaining. Home improvement loan. 9 months left.2 -
Thank yousatchmo1 said:Hurray to the new, comfy trainers. Look after your feet and they'll look after you. That's a lesson I've learned the hard way!
Thank youbeanielou said:You are on fire with pads 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 McGee3 -
Today's PAD - £4 - little bit of cash backJan - £126Feb - £106Mar - £136Apr - £122May - £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 McGee3
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Great stuff ! 😼👍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!
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 😼..2
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