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Small steps lead to big changes...
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Today's PAD - £3
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £31
"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 -
I need to get back into frugal mode. Got a bit too relaxed recently.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 10/10/252 -
Today's PAD - £3
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £34"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 -
Good luck with it, it's easy to slip into bad habits isn't it.savingholmes said:I need to get back into frugal mode. Got a bit too relaxed recently."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 -
This heat can do one! It's getting unbearable. My shopping today consists mostly of ice cream I think
I've had to break frugal September to order fans for the kids rooms. They are like ovens and looking at the weather app, it's going to be best part of a week before night time temps reduce significantly. I've also had to spend on after school clubs for the kids, but that's good for them so not a problem.
Work is busy and frustrating with lots of interruptions meaning I can't get on. At least it's my Friday today
I'm going to finish early as well as I'm maxed out on my flexi for this period and need to reduce it a bit so I don't lose it.
I'm doing quite well with eating well, I'm focussing on eating a lot more fruit and veg, and reducing carbs (including chocolate ones!). Living on ice cream doesn't count, it's an emergency situation I've also been walking the kids to school in the morning, and need to keep that up even when work is busy. I was going to start Friday swimming tomorrow, but TOTM has arrived, so I will see how that is before I make a decision. At least I know now that there is public swimming available on a Friday morning (not lane swimming as that's not for me).
I've got an appointment to see the senco about little miss in a couple of weeks, so that will be good to have a chat about what's going on from the school's perspective."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 -
Sorry it's so hot. It rained here overnight so a cooler start to the day.
Definitely use up your flexi.
Good you are making healthier choices.
Great about the appointment.
Enjoy your long weekend. I'll try not to be too jealous of you tomorrow.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 10/10/252 -
Glad you got the senco appointment sorted fairly swiftly.
It's roasting here too - and we are already finding out that the upstairs in a house gets a fair bit warmer than our ground floor flat used to!
Enjoy your Friday off tomorrow - with us, and Cheery too, we may be able to recreate the old Friday Slackers Club on here before too long!🎉 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/her3 -
Thank yousavingholmes said:Sorry it's so hot. It rained here overnight so a cooler start to the day.
Definitely use up your flexi.
Good you are making healthier choices.
Great about the appointment.
Enjoy your long weekend. I'll try not to be too jealous of you tomorrow.
We've had no meaningful rain but when I went to get the kids there's obviously been a saharan dust shower today as my car was splattered!
I finished at 3pm when I went to get the kids, stopped in and visited relatives, and then did a quick check nothing had come in when I came home, so I've ended my week just under the max flexi so that's good It should mean I can book a day or two in the next period as well.EssexHebridean said:Glad you got the senco appointment sorted fairly swiftly.
It's roasting here too - and we are already finding out that the upstairs in a house gets a fair bit warmer than our ground floor flat used to!
Enjoy your Friday off tomorrow - with us, and Cheery too, we may be able to recreate the old Friday Slackers Club on here before too long!
Yes, the heat definitely rises! I love the idea of the Friday Slackers Club
"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 wish I could join your club. A few years away from me yetAchieve 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 10/10/252 -
You'll get there one day. Mine is compressed hours though, so I'm doing the full time hours in 4 days. Makes for long days but the day off is well worth it and I haven't lost any wages.savingholmes said:I wish I could join your club. A few years away from me yet"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 McGee5
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