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Small steps lead to big changes...
Comments
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Fireworks sound positive for the family.
Well done on the cleaning, listing and the PADs. Sounds like a busy weekend and a productive one.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 yousavingholmes said:Fireworks sound positive for the family.
Well done on the cleaning, listing and the PADs. Sounds like a busy weekend and a productive one.
"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 -
Today's PAD - £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £151
November - £37
"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 -
I saw the confirmation about our pay rise today, so should get a nice little lump sum of back pay this month I've upped my AVC contribution to £100 a month which is a doubling of what I'm currently paying. Next year I shall try and up it a bit more (assuming I still have a job!) once I know what my new monthly take home is. I also want to try and put more to savings to build those for now as well.
My anxiety is really high at the moment, so I'm trying to do a bit of self care and try to 'hygge' the house a little bit to try and make it more comforting and cosy. I've also been eating badly again the last few weeks, so I'm trying to get back to eating better again. I probably need to dig out my anxiety books and work my way through them again as I am catastrophising stuff, and also my health anxiety is being triggered. I'm also going to make the effort to either watch or read something relaxing in the evenings to try and wind down better from work.
One of the items I listed yesterday is selling already, and I need to look through the stuff we identified to go to see if any of it can be donated to school, as that will be the quickest and easiest way of getting rid of it.
One of the work projects I have been involved in has been postponed, because something I warned repeatedly about has happened and because they ignored my advice, they now need to revisit the plan and redo it. It's quite frustrating as I mentioned this issue to several different people. Occasionally I know what I'm talking about!
But on the bright side, it means that it frees up quite a bit of time for me later this month and early next month, so I might be able to see if I can get a couple of days off. I need to look at what leave I have left (and book my Christmas leave!) and see if I can do it. I did at least add it to my to do list 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 McGee4 -
It always feels good when you are proved right even if there is no acknowledgement from others.
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There is a part of me that wants to say 'I told you so' but I'm more frustrated about not being listened to to be honest.ladyholly said:It always feels good when you are proved right even if there is no acknowledgement from others."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 -
Today's PAD - £7
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £151
November - £44
"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 -
Today's PAD - £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £151
November - £46
"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 -
Argh yes, isn't it annoying when you try to point out potential consequences and people just brush your comments aside, only to find out later that you were right! I always think it's funny how many of those who were happy to be outspoken in shouting you down go remarkably quiet when the brown stinky stuff hits the rotating cooling device, too! Well done on biting your tongue against told you so's, but I do hope you are wearing a suitably long-suffering expression!
The November PADS are looking decent enough for this early in the month!🎉 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 -
So frustrating when you don't feel listened to. Hope things improve at work and you keep your job. Good about the pay rise and back pay.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
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