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Today's PAD £6 (survey cashout ), yesterday £4
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £6"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 -
Sorry she's even refusing ice cream 🍨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 -
End of month update:
Debts:
1. £3,500/ £3,458
2. £4,562/ £4,507
Total: £8,062/£7,965Mortgage - £96,177.49/ £92,186.12
Savings:
LISA: £1,272.70 / £1,537.25
Premium bonds £1,025 / £1,225
Emergency fund: £3.36 / £30
Other savings 1: £0/ £300
Other savings 2: £0/£175"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 -
Declutter update:
433. Socks
434-441. Scalextric track
442. Toy car
443. Shoes
444. Book
445-446. Goggles
447-553. Photos
554. Bathmat
555. Pedestal mat
556-558 Hand throttles
559. Fly killers
560. Lego
561. Toy car
562-580. Clothing
581. Train and wagon
582. wagon
583-584. Scalextric track
585-587. Cars
588-614. Clothing
615. Artwork
616. Boots
617. Truck
618. Water bottle
619. Bag
620. Comic
Declutter totals:
Magazines/papers: 42
Other: 620Total: 662
Ebay listings: 129
Ebay parcels: 96Survey/other earnings:
Amazon: £15
Paypal/cash: £258.90
Other vouchers:£0"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 -
Thank you. Hopefully she'll be back on track soon.savingholmes said:Sorry she's even refusing ice cream 🍨"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 -
Finances done. It was very exciting to receive some monthly interest today on the accounts I opened the other week. Very motivating, even if it's only pennies.
I've closed some of my 'pot' accounts as the interest was a pittance, so I'd be better off stashing it in the other savings accounts.
I need to look at the kids savings accounts at some point as the interest on those now is probably lower than it could be elsewhere.
Little miss is a bit better today, but her tonsils are still very swollen and she still doesn't want to eat anything.
So we will be having a quiet day today. I'm hoping to pin down DH to help me sort through the toys identified to go and actually get them out of the house. It's blocking access to the rest so I can't finish sorting with it there.
I also need to plant the rest of the plants from last weekend. We've had a bit of rain this week so hopefully the ground won't be so rock hard.
Have a good day 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 -
your mortgage is going down so fast! Amazing progress!Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p11 -
I also used to get tonsilitis on a very regular basis, but it was before antibios. Be careful it does not move into an ear infection.
2 -
Can’t believe how much the mortgage is going down each month 😀Sealed pot challenge 822
Jan - £176.66 :j2 -
Refusing ice cream~~eek.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.2
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