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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 - £151
November - £147
"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 -
Feeling rough again today, as I was unwell last night. Glad I had the day off!
I put the curtains up on the landing today and they've shrunk in the wash! They'll have to do for now as I can't face standing on a ladder at the top of the stairs again. I might see about getting someone in to do a blind or something instead, but there's no hurry for that.
I've wrapped all little miss's birthday gifts.
I've also treated myself to some new slippers as mine were wearing through, and a blanket which I will try and keep just for me, and away from all the animals (and children!). I can use it whilst working as it gets a bit chilly out there. I'm not likely to be in the office much before spring as they've condensed the workspace to save on energy and I don't want to go in if I can't guarantee there's anywhere to sit!"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 -
Can’t guarantee a seat!!!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 -
Well done on PADs.
That sounds a ridiculous hot desk scenarioAchieve 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 -
beanielou said:Can’t guarantee a seat!!!
Thank yousavingholmes said:Well done on PADs.
That sounds a ridiculous hot desk scenario
I think in reality it won't be a problem, and it will be easier to gauge as time goes on, but I just can't be bothered with the faff. The only point in going in really is to see colleagues, and our team only got enough allocated seats for those that do go in each day. If I can't sit with colleagues then I don't see the point in going in unless I have to. "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 - £10
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £151
November - £175
December - £10"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 -
Good start to your December PADS2
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Great PAD result for November - and start for December.
Totally with you on the hot desks.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 -
teapot2 said:Good start to your December PADS
Thank you bothsavingholmes said:Great PAD result for November - and start for December.
Totally with you on the hot desks. I did another good one today as I'm temporarily rich due to the back pay 
"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 - £12
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £151
November - £175
December - £22
"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
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