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Shopping was delivered this morning, so we are all stocked up again. We've had a nice roast for lunch too.
Went out to visit relatives to thank them for looking after the cat, DH collected the dog yesterday from her holiday. This afternoon I just plan on chilling! I'm tired.
I did very well on holiday, we walked around 4-6 miles per day which is a lot for me! I did have some knee pain but it stood up well, even on the hills, and I managed more than I thought I would. I'm pleased with that. Fed up with my broken body though, a week with very limited snacking, lots of exercise and not eating huge meals, and I've gained weight 🙄. I've cancelled my SW membership as it was due to renew next week. I'm just going to try and keep up the movement, and eat well and stop focussing on the scales 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 McGee1 -
End of month update:
Debts:
1. £3,500/ £3,451
2. £4,562/ £4,498Total: £8,062/£7,949
Mortgage - £96,177.49/ £90,555.97
Savings:LISA: £1,272.70 / £1,579.04
Premium bonds £1,025 / £3,025
Emergency fund: £3.36 / £30
Other savings 1: £0/ £350
Other savings 2: £0/£200
Retirement countdown: £240,137.14 / £237,569.69"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 -
Declutter update:
621. Vouchers
622-641. Handtowels
642. Cheques
643-652. Cards
653-654. Boxes staples
655. Lipstick
656. Gift bag
657. Playset
658. WD40
659. Paper
660. Plastic tubs
661. Bottle wine
662. Puzzle
663. Toy motorbike
664-693. Toy cars
694. Book
695. Train
696-710 Soft toys
711-713. Sheets
714-716. Mattress protectors
717. Duvet
718-727. Socks
728. T-shirt
729-731. Swim hats
732. Hat
733. Toy bus
734-736. Slot cars
737-738. Bathroom sealant
739-741. Toy cars
742. Action figure
743. Soft toy
744-751. Pairs shoes
752. Wellies
753. Pillow
Declutter totals:
Magazines/papers: 60
Other: 753Total: 813
Ebay listings: 155
Ebay parcels: 114Survey/other earnings:
Amazon: £40
Paypal/cash: £306.31
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 -
I hope you drank the decluttered wine 🤭 Welcome back, I’m glad you had a lovely holiday.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 -
No, I don't drink! We won it at the school fayre at Christmas, returned it for the summer fayreWinterWarrior said:I hope you drank the decluttered wine 🤭 Welcome back, I’m glad you had a lovely holiday.
Thank you
"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 -
Good to see you back. It sounds as if you had a lovely time.
You did well to walk so much whilst away.
There are other health markers more important than the scales like BP and BS for example. Maybe you have improvements elsewhere?
Savings looking good 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) 25/0720253 -
Glad you had a great time. Balances are looking amazing 🙂I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Glad you had a good break.
Your PADs for July were awesome.
Well done on the decluttering too.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 10/10/250 -
Thank youdoingitanyway said:Good to see you back. It sounds as if you had a lovely time.
You did well to walk so much whilst away.
There are other health markers more important than the scales like BP and BS for example. Maybe you have improvements elsewhere?
Savings looking good I'm due a blood test, but nervous about booking one due to the lack of improvement in weight. I probably should though.
Thank youSun_Addict said:Glad you had a great time. Balances are looking amazing 🙂
Thank yousavingholmes said:Glad you had a good break.
Your PADs for July were awesome.
Well done on the decluttering too. No nice £100 boost this month though which is a shame "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 - £2Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £18"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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