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Small steps lead to big changes...
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Today's PAD - £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £64
"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 - £8
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £72
"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 -
That was a nice leap in PADs.
Kids have a radar for their stuff don't they. Mine always seemed to manage it too.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 -
Pad’s looking 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 -
Today's PAD - £9
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £81
"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 -
Thank yousavingholmes said:That was a nice leap in PADs.
Kids have a radar for their stuff don't they. Mine always seemed to manage it too.
Yes, they always seem to manage to want the thing that I've tried to sneak out!
Thank youbeanielou said:Pad’s looking great. I've had some nice survey cashouts this week! "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 -
PADs still coming along a treat - well done!
Had to laugh at Little Miss asking for her old tablet as soon as you'd sent it off? Did you give her a vague response about not knowing quite where it is at the moment? It would after all have been true to a point...!
🎉 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 -
Well done on the surveys - they still take effort.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:PADs still coming along a treat - well done!
Had to laugh at Little Miss asking for her old tablet as soon as you'd sent it off? Did you give her a vague response about not knowing quite where it is at the moment? It would after all have been true to a point...! I did think about that but she's very persistent, so I did say I'd got rid of it, as it was old. She seemed to accept it
Yes they do, but it's less bother when I cash out fairly frequently, it's more of a challenge when it takes forever.savingholmes said:Well done on the surveys - they still take effort."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 -
Today's PAD - £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £85
"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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