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Small steps lead to big changes...
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Fab pad today due to a survey cashout
Today I am GOING to book my leave! I want to see if I can get a couple of days to myself as well as Christmas hols.
Kids have dentist today with the new dentist. Little miss is free as she's not yet 8 so that's a small bonus.
We've got 7 items sold, one is a fairly large item, so it's good to see it gone.
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 McGee3 -
I've finally booked my leave and to my delight had more than I realised left. My calendar is already pretty booked up so I couldn't get a full week which I would have liked, but I've got two weeks with two days off, two weeks at Christmas and that leaves me a couple of days to use in January as well.
Dentist went well and both kids are all fine. I've booked us all in for May half term.
Booked a tyre fitting for my car to deal with the one that had the advisory at MOT. That's at the weekend.
My M&S parcel arrived today, so I shall unpack my lighted tins later.
I feel like I'm brewing a cold. I could do with it holding off for a couple of days ideally so I can go into the office tomorrow. If it appears overnight though, I won't spread the love and will stay home. In all honesty I'd rather stay home but booked the office days off, so I'd better show my face really.
Cashed out over £10 on PA today so another nice PAD due tomorrow
"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 -
Well done on the PADs.
Congrats on doubling your AVCs.
Hope that you survive this round of cuts at work. It's a difficult time nationally currently.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 -
Hope all ok with you .Life is an adventure, never stop exploring.2
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Thank youSunshine_girl2 said:Hope all ok with you .
I'm still lurking around, just struggling a lot with anxiety and mental health. I haven't been feeling well at all, so just taking some time out to work on me. I've been working through the couple of books I bought last time things were bad and it's starting to help. I've had a couple of days off which has been nice, and another couple next week.
Work is challenging and there's a lot going on. I've been asked to get involved in some really important stuff though, so although it's extremely pressured, I'm hoping it will keep my 'value' high and let me avoid this round of cuts. It's more important at the moment as DH's employer is also cutting, so we don't know where he stands. It would be awful if we both got made redundant at the same time.
I've finished my Christmas shopping and that's actually quite a relief. I've continued with my PADs daily so will update the totals soon. We sold a nice pile of stuff at the weekend so that was 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 McGee4 -
Sounds like you have established all the right habits with money and decluttering - even if other aspects of life feel out of control. Good that you are involved in higher profile work - hope it all works out positively for you both.
Tricky times in my organisation too - but I'm expecting to be 'safe' but no-one ever truly knows. But I think there is a big demand for my kind of skills so doubt there will be an issue for me just yet.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 -
Thank you. I'm sorry things are tricky where you are too. Fingers crossed!savingholmes said:Sounds like you have established all the right habits with money and decluttering - even if other aspects of life feel out of control. Good that you are involved in higher profile work - hope it all works out positively for you both.
Tricky times in my organisation too - but I'm expecting to be 'safe' but no-one ever truly knows. But I think there is a big demand for my kind of skills so doubt there will be an issue for me just 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 McGee2 -
Hope the job situation works out for you both. That's probably causing a lot of underlying anxiety as you don't know where you stand, as well as the high pressure work you are doing. Try and make sure you keep some you time as well xJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 nov 25- just over 64k
June 25 Debts in my name were £5170. Now 7150 (Nov 25)2 -
Thank youNeverendingDMP said:Hope the job situation works out for you both. That's probably causing a lot of underlying anxiety as you don't know where you stand, as well as the high pressure work you are doing. Try and make sure you keep some you time as well x I've had some days off this week and have done absolutely nothing, I think that's helped a little! "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 -
Take care of yourself xxI 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
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