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Comments
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Thank youdoingitanyway said: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 week
"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 -
Thank youpennywisepoundstupid said:Hi Jwil,hope you managed to get a chilled weekend and pleased to hear your relatives op went well.
Have a good weekend xx "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 -
I hope you get plenty of time to relax and enjoy your time off jwil 🌟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/p12 -
Great news on your relative.Relax & recuperate.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 -
Enjoy some chill time. Fantastic news about the relative 🥳 Brilliant PADs as always 👏I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Fab news on the relative
On the nose bleeds - my kids had them randomly growing up too. I was never sure why but as adults they've been fine.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 -
I hope you are enjoying your time off. Just a quick thank you, as I have been paying small amounts daily into an account (tiny nothing like your excellent PADs) I was down to £6 in my bank account so checked the PAD account. Enough in there to tide me over for a few days until I get a credit. Without your diary I would not have set up daily payments and might have gone overdrawn If 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Hi, can you please explain how this works. Do you save up the amount in January ie £141 and then pay the lump off your mortgage or do you pay say £2/£3 a day? I didn't realise that I could do this on my mortgage!jwil said:Today's PAD £6 (survey cashout )
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £2421 -
WinterWarrior said:I hope you get plenty of time to relax and enjoy your time off jwil 🌟beanielou said:Great news on your relative.Relax & recuperate.Sun_Addict said:Enjoy some chill time. Fantastic news about the relative 🥳 Brilliant PADs as always 👏
Thank you everyonesavingholmes said:Fab news on the relative
On the nose bleeds - my kids had them randomly growing up too. I was never sure why but as adults they've been fine. "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 -
That's such good news, I'm so glad it helped you, thank youdoingitanyway said:I hope you are enjoying your time off. Just a quick thank you, as I have been paying small amounts daily into an account (tiny nothing like your excellent PADs) I was down to £6 in my bank account so checked the PAD account. Enough in there to tide me over for a few days until I get a credit. Without your diary I would not have set up daily payments and might have gone overdrawn "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
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