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Small steps lead to big changes...
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I've done some tidying and cleaning this morning, and sorted out the uniform. I think I have overbought, but at least it will be usable next year if need be. Both kids wear the same size so we can mix and match!
I've done my review for my creditors and will post that later. I've upped my payment a little as well, and asked for a settlement figure. I'm just curious on that one.
I've also gone through a box of stuff that was identified to go, thrown a few bits away which aren't worth selling, and the rest has been set aside for a car boot sale.
The other ebayer has paid so DH can post those later. I've reached cashout again on PA but can't withdraw again until tomorrow. I'm very happy about that though!"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 McGee4 -
Your PADs are coming along.
Good luck with the settlement figure.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:Your PADs are coming along.
Good luck with the settlement figure.
I'd love for them to give me a lovely low figure, but previous experience suggests around 10% discount. It's not worth it for that. With my increased payment, I'll be paid off in around 30 years 
"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 like DS's student loansjwil said:
Thank yousavingholmes said:Your PADs are coming along.
Good luck with the settlement figure.
I'd love for them to give me a lovely low figure, but previous experience suggests around 10% discount. It's not worth it for that. With my increased payment, I'll be paid off in around 30 years 
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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 -
At least he got something good out of thembeanielou said:
Just like DS's student loansjwil said:
Thank yousavingholmes said:Your PADs are coming along.
Good luck with the settlement figure.
I'd love for them to give me a lovely low figure, but previous experience suggests around 10% discount. It's not worth it for that. With my increased payment, I'll be paid off in around 30 years 

"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 -
Today's PAD - £10
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £124
"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 love a good boot sale

Must feel good to have uniforms sorted.
Have a good dayIf 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) 25/0720252 -
Thank youdoingitanyway said:I love a good boot sale
Must feel good to have uniforms sorted.
Have a good day
"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 - £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £126
"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 -
We had a lovely day out yesterday, meeting friends for a scarecrow trail in the morning, and then we went to the beach in the afternoon. The weather was lovely so we missed the storm that many people had.
I came home to a letter from the NHS about little miss's asd assessment. They say she has traits, but they don't know enough as to whether it warrants an assessment. They've asked for more details and say the form should be filled out with the school senco and returned within a month of the date on the letter. Haven't they ever heard of summer holidays? 🙄 It means I need to try and see the senco in the first two days of term as well as complete and return the forms 😡 I just don't know what I'm missing. I can't see that she's having big issues with anything, but if she does need support I want her to have it sooner rather than later. I'm so confused about it all, and don't get any clarity with anything I read.
I've been worrying about my cat as she's been out of sorts for a few days and didn't eat yesterday (she's 17 so I always get a bit edgy when she's not right). She's just suddenly perked up though and galloped up the stairs to her food bowls, stuffed her face and galloped back down again. She's been more active today generally as well, so obviously just having an off day. It's a relief!
I didn't sleep well last night worrying about the cat and little miss. I'll drop an email to the school and hope that someone picks it up before the start of term to see if I can get an appointment with the senco. The letter was cc'd to them so hopefully they will see it as well. Hopefully I will sleep better tonight!
"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 McGee4
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