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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
    Well done on the PAD
    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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PAD
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good strategy ☺️
    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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good strategy ☺️
    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: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £20
    "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
  • BalanceBy50
    BalanceBy50 Posts: 489 Forumite
    Seventh Anniversary 100 Posts Photogenic Name Dropper
    I could get used to 4 day bank holidays!  I also have Fridays off and I love it!

    I am going to steal your PAD if thats ok - just paid £2.64 off of my CC 😊

    Lets hope this week flies by!
  • jwil
    jwil Posts: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I could get used to 4 day bank holidays!  I also have Fridays off and I love it!

    I am going to steal your PAD if thats ok - just paid £2.64 off of my CC 😊

    Lets hope this week flies by!
    Oh it's lovely isn't it!  4 day weeks are in the news too, hopefully it will become the norm for many!

    Feel free to PAD too, lets all of us smash those debts!
    "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 got a letter from the GP asking me to book in for another blood sugar level test.  So I've got that tomorrow.  I'm not convinced there will be any difference!  My weight certainly isn't any better.  I've made good progress with eating well, but certainly haven't reduced sugar enough.

    Fingers crossed they can find a vein in the first instance!
    "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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