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2022 - Moving forward
Comments
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Really glad the new shoes are helping.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 29/7/252 -
Ooh, good thinking - thank you! I shall do that.another_casualty said:
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 😼.."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 -
Thank yousavingholmes said:Really glad the new shoes are helping.
"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 -
Today's PAD - £2 - and £2 for yesterdayJan - £126Feb - £106Mar - £136Apr - £122May - £101"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 given my trainers a good test today walking 4 miles and being on my feet a good portion of the day. Walking is definitely so much more comfortable (but they are hot! 🥵). My foot is a little painful this evening, but nothing like it has been before. So I am very pleased. I just need to keep building it up.
I've been doing quite well with the eating. I've been eating well, and lots of fruit and veg. I won't pretend there hasn't been chocolate, but less than sometimes. I've also not had crisps for a couple of weeks. Most importantly, I've been really good at celebrating the small wins and speaking well to myself. Instead of beating myself up for eating lots of chocolate, I celebrate that perhaps I had a really good breakfast or have done a little exercise, or even cleaned a bit of the house!
Baby steps
I had a letter from one of my creditors asking for a review so I've posted that off today. They offered a F&F so I sent an offer of £1500 which would be around 30%. Judging by their response to my previous F&F I don't expect it will be accepted, but if you don't ask, you don't get! I'd have to empty all my savings to manage it, so I'm not fussed if they don't accept, but I'll take it if they do!
One item sold too, so that was in the post today.
Have a good weekend everyone "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 -
Well, you’re walking the walk 🐾and mean business . Keep going with everything and maybe weigh yourself in six weeks or so 🙀. All sounding very positive 😼2
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No harm in offering theF & F.
In these challanging times they might just accept!
Nothing ventured then nothing gained
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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. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Four miles is good going. Well doneAchieve 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 -
Thank youanother_casualty said:Well, you’re walking the walk 🐾and mean business . Keep going with everything and maybe weigh yourself in six weeks or so 🙀. All sounding very positive 😼 I'll weigh myself again before my next pre-diabetes session, so maybe 3 weeks or so.
Thank you. That's what I thought - they must have so many people reducing payments at the moment. I did point out in my letter that I thought my circumstances would change with the price cap rise in October, so fingers crossed!beanielou said:No harm in offering theF & F.
In these challanging times they might just accept!
Nothing ventured then nothing gained
Thank yousavingholmes said:Four miles is good going. Well done "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 -
Today's PAD - £4Jan - £126Feb - £106Mar - £136Apr - £122May - £105"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 McGee2
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