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Another hot day so we went to the seaside and spent a nice amount of time playing in the sea. It was lovely! The kids had a great time and so did I.
We then went to a NT property this afternoon, so knocked another chunk off our membership fee. Just one more visit between now and April and we'll be cost neutral, more than that (plus any parking we use) and we'll be well up."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 -
Sounds like a lovely day. Especially the sea bit
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Sounds a much more exciting time than mine ducking my head under the cold tap.
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Sounds like a lovely day 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.
One debt remaining. Home improvement loan. 21 months left.2 -
Thank you, it was lovely!doingitanyway said:Sounds like a lovely day. Especially the sea bit
Probably a little more fun than dunking a head under the tapbadmemory said:Sounds a much more exciting time than mine ducking my head under the cold tap.
Thank you, it wasbeanielou said:Sounds like a lovely 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 McGee0 -
We've had a couple of showers overnight and this morning, but it's still hot and muggy here. Hopefully it will break soon!
Quiet day planned today. I've done the household haircuts and DH has done mine, so that feels better.
Have a good day everyone!"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 -
Well done on the home haircuts.
Trip to the seaside sounds lovely.
Your PADs are holding up well.
It sounds like your new tops were much needed.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/261 -
Thank yousavingholmes said:Well done on the home haircuts.
Trip to the seaside sounds lovely.
Your PADs are holding up well.
It sounds like your new tops were much needed. "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 - £3
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £51
"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 -
You're doing well with the PADs - those small amounts certainly add up. It's a great idea keeping track of how much it is each month.
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