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Small steps lead to big changes...
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Today's PAD - £10 (survey cashout)
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £16
"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 -
It was good to see I could cash out on surveys yesterday, I've still got a fair amount pending too.
MOT and service today, I'm a bit apprehensive as it's a new garage, but it has good reviews so hopefully all will be well. The car's had a good few runs recently which has probably done it good."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 -
Delighted that your DH is home, and well done for dealing with the driving as you did too. Now time to step back a little from the stress and let the adrenaline dissipate!🎉 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/her2 -
I hope all went well at the garage. It is always a worrying time. My fdh always takes our car for a "blast" up the motorway before taking the car for its MOT but our mileage is very limited as we dont use the car much.
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Hope new garage worked well.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 -
Hope everything went well with the car ad the garage.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 youEssexHebridean said:Delighted that your DH is home, and well done for dealing with the driving as you did too. Now time to step back a little from the stress and let the adrenaline dissipate!
We are back up there again today, but then fingers crossed can relax for the weekend.
Thank you, mine doesn't get used now like it used to.ladyholly said:I hope all went well at the garage. It is always a worrying time. My fdh always takes our car for a "blast" up the motorway before taking the car for its MOT but our mileage is very limited as we dont use the car much.beanielou said:Hope new garage worked well.
Thank you both.savingholmes said:Hope everything went well with the car ad the garage."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 -
Today's PAD - £7 (survey cashout)
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £23"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 -
My car passed MOT yesterday, with just the same advisories as last year so that's good news. A couple I will get fixed now, the others can wait. It went really well, they picked up and dropped off as agreed, so I didn't have the hassle of trying to get it there, however, the car has come back with an extremely noisy exhaust which it didn't go with so I'm going to get in touch and find out what has happened. I will reserve judgement on the garage until I hear back from them. Things go wrong, and it's the way they handle it that's important.
Today we are heading back up to the hospital. Hopefully it will be a straightforward check up and dressing change and we will be back home again. My work are being very good and allowing me to work around appointments etc.
I'm hoping we can just have a nice break from everything this weekend."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 -
Glad the car passed and hopefully the exhaust gets sorted and they deal with it well. Hope hospital goes okay. XJan 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...2
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