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Small steps lead to big changes...
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Excellent progress. You are doing the sensible thing and preparing for a future you want, that's a good thing.Achieve 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 -
Thank yousavingholmes said:Excellent progress. You are doing the sensible thing and preparing for a future you want, that's a good thing.
"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 £20 (survey cashout
)
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £236
"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 -
Someone a long time ago mentioned your say pays on here, so I signed up for it. It's taken a long time to cashout as I only checked it when I got an email about it. As I've now ditched I-say I'm going to try and use that as my replacement so need to check more frequently as they don't email for every survey. I'm 30p away from cashing out on one poll too, and still have a lot pending in PA. You Gov just plods away in the background, and I'm miles from cashing out there. I don't think I'm going to beat last month's PAD total, but it should set me up nicely for next month. A PB win would of course help as well
I'm so tired today, I keep waking in the middle of the night for a couple of hours. It's very frustrating. I think my mind is busy so hopefully it will ease after tomorrow.
I've got no meetings today so want to get stuck in and try and clear some stuff. Hopefully all the challenges of the last couple of days have been resolved now so I can tick some stuff off my to do list.
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 McGee2 -
You've just reminded me about OnePoll - time to have a blast through what I have available there as I'm not that far from cashout there either! Thanks for the nudge!🎉 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 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
You're welcomeEssexHebridean said:You've just reminded me about OnePoll - time to have a blast through what I have available there as I'm not that far from cashout there either! Thanks for the nudge! I did it! I logged on at lunchtime and there were several surveys sitting waiting for me, so I've cashed out and am already nearly £1 towards the next one. "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 -
So much for getting stuck in today. I had several calls from colleagues regarding the question I asked about the restructure in the meeting yesterday. It seems I'm not the only one feeling unsettled.
More frustration at work due to yet more national policy delays. It feels like 5 years work wasted and I spent a lot of time making sure people who needed to know were aware. I'm on leave after tomorrow, so I half think I ought to just not bother going to bed tonight, I have so much to do. I did manage to get some stuff ticked off today though so that's good.
Some of my PA has been approved, so I'll PAD that tomorrow. Still plenty waiting for approval though which is good . "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 -
Frustrating about your efforts feeling wastedAchieve 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 -
So this.savingholmes said:Frustrating about your efforts feeling wastedI 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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