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Small steps lead to big changes...
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Thank you both, it is very frustrating.
I slept better last night thankfully, but loads to do today as it's my last day, hurrah!
I really could do without going into the office though.
I have PADded yesterday's cashout
"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 £6 (survey cashout )
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £242
"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 -
Happy last day of work.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 -
I'm now in the OnePoll frustration zone as I'm now just 7 points from cashing out - pah!🎉 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 -
Another amazing month for PADs. Congrats.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 youbeanielou said:Happy last day of work. It was a long one but I got everything done!
That is so annoying! I hope you manage to get there soon.EssexHebridean said:I'm now in the OnePoll frustration zone as I'm now just 7 points from cashing out - pah!
Thank yousavingholmes said:Another amazing month for PADs. Congrats. "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 -
Work sounds tricky ATM. I hope things sort out.
PADs excellent as always.
Connecting with an MSE person in RL sounded nice
Have a good end to your weekIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Today I'm having a quiet day, trying to tidy and clean up so I can enjoy the week off. I'm shattered after the week at work, so nothing really planned other than swimming for little miss. I think we need to collect the van as well as it's been in the garage so hopefully will be ready today.
Little miss woke us up at 5am with a nosebleed, so my hope for a lie in was shattered. She's fine otherwise, but I've ruined her pillow by trying to wash it so that's something (unintentionally) decluttered!
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 -
House is now mostly tidy, just need to do the kitchen later. I'm not feeling great but I think that's because I'm exhausted. Just forcing myself to get through today and then I can chill.
I received my stamps from the swap out today so that's all the old ones gone now
My relative got the all clear after their op, it was caught early and removed, so that's fantastic news.
I did a little bit in the garden earlier, though it's turned into a jungle 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 McGee3 -
Hi Jwil,hope you managed to get a chilled weekend and pleased to hear your relatives op went well.
Have a good weekend xx2
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