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Small steps lead to big changes...
Comments
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savingholmes said:Fab PB win and use of it. You did amazing last month.
Thank you bothbeanielou said:Your pads are awesome.
As long as I send it as soon as it lands I don't miss it. If I left it in the account it would soon get sucked up by something. I think I'll always look back with fondness of the total for last month, not sure I'd ever manage it again 
"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 -
I've upped my contribution to AVCs to £50 a month, up from £30. Not a huge amount, but I want to increase them gradually so I don't miss the cash.
8 parcels packed and posted today.
DH had my car today as his was in for service. It meant I had to walk on the school run both times, which I moaned about, but secretly I am pleased with my exercise "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 done on the parcels 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.3 -
Welldone with the parcels. A bit more stuff leaves chez jwil.
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Well done on the exerciseAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251 -
beanielou said:Well done on the parcels
Thank you, it's always nice to see stuff going!ladyholly said:Welldone with the parcels. A bit more stuff leaves chez jwil.
Thank yousavingholmes said:Well done on the exercise "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 £4 (bit of cashback )
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £138
"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 -
Just withdrawn from PA so will add that to my PAD tomorrow. I've still got a fair amount pending so should be able to do another one at some point."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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Today's PAD £6 (survey cashout )
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £144
"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 £8 (another survey cashout
)
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £152
"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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