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Small steps lead to big changes...
Comments
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End of month update:
Debts:
1. £3,500/ £3,444
2. £4,562/ £4,491Total: £8,062/£7,935
Mortgage - £96,177.49/ £89,562.05
Savings:LISA: £1,272.70 / £1,621
Premium bonds £1,025 / £3,100
Other savings 1: £0/ £400
Other savings 2: £0/£225
Retirement countdown: £240,137.14 / £237,848.29"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 -
Declutter update:
754-755. Lego
756. Road atlas
757. Pruning saw
758-759. Secateurs
760-763. Knives and sharpener
764-769. Saucers
770. Mini roller heads
771. Dolls house
772-773. Bags of pieces and accessories
774. Box of furniture
775. Box paint and brushes
776. Bag gravel
777. Dustpan and brush
778. Brush
779. Glass cleaner
780-781. Gardening tools
782. Calendar
783. Volcano kit
784. Hand throttle
785. Bag
786-789. Play mats
790. Shoe holder
791. Cape
792. Hair garland
793. Wand
794. Sunglasses
795. Ball
796-797. Soft toys
798. Hat
799-806. Toys
807. Moneybox
808. Fuzzy felt
809. Basket
810-811. Tins
812. Roller skates
813. Doll
814. Flower toy
815. Hair band
816-817. Musical instruments
818. Beads
819. Colouring book
820-824. Books
825-826. Soap dishes
827. Railway crossing
828. Table tennis bats
829-831, Socks
832. Book
833-947. Photos
948-950. Envelopes
951. Trainers
952. Tractor and trailer
953-954. Pens
955. Dishbrush
956. Boxers
957. Book
Declutter totals:
Magazines/papers: 77
Other: 957Total: 1034
Ebay listings: 155
Ebay parcels: 117Survey/other earnings:
Amazon: £50
Paypal/cash: £368.41
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 McGee4 -
I've done my totalising, so can start afresh tomorrow. I need to sort out the birthdays then frugal September can begin!"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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Well done the numbers and the decluttering look really good. Your savings and premium bonds have gone up a fair bit over recent years haven't they and debts have gone down. What an excellent combination!Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...3 -
Impressive numbers there. Good luck with the new BP monitor.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 -
Totals & decluttering both great.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 -
Thank youNeverendingDMP said:Well done the numbers and the decluttering look really good. Your savings and premium bonds have gone up a fair bit over recent years haven't they and debts have gone down. What an excellent combination!
The debts are going down slowly! The PBs is a decent number, but not all 'new' money, I consolidated all my pots into them recently as I got fed up with loads of accounts. I do add to them every month though, and they are my emergency fund. The good thing is, I don't dip into them like I used to with the pots, so they've got a much better chance of growing. I usually try and find the money from elsewhere, and then only withdraw from them as a backup. So it's working for me to actually grow some savings now! The other two accounts are new regular savers and I only opened them this year. It's still a novelty for me to have some savings. "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 -
savingholmes said:Impressive numbers there. Good luck with the new BP monitor.
Thank youbeanielou said:Totals & decluttering both great. "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 Payday! Hurrah! I'm rich for 30 seconds
New washing machine has arrived, and I've installed it so now I'm testing out all the different cycles. It's very quiet, and very tuneful!
It's chucking it down with rain here, so I don't think we'll be doing much today."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 -
Happy pay day and happy new washing machine xx2
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