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I batch make sandwiches and freeze them so quick to sling into a lunchbox in the morningjwil said:We had a nice day out yesterday. Freezing cold but bright and sunny. Funnily enough it had been thick fog and gloom all day at home.
I've done a bit of admin this morning including completing the driving licence application, so will get that sent off. I've booked and paid for school lunches up til Easter so that will be something I don't need to worry about now til March or so. They take packed lunch 3 days and have school lunches 2 days. I must say I love those two days not having to faff about with lunchboxes!
We've put up some Christmas lights and decorations this morning, and will try and get the tree down later so we can get that up as well.Sealed pot challenge 822
Jan - £176.66 :j2 -
"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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Thank you. The kids won't eat sandwiches, so I can't do that. It only takes a few minutes to do as it's just assembling bits, but it's another faff in the morning.dawnybabes said:
I batch make sandwiches and freeze them so quick to sling into a lunchbox in the morningjwil said:We had a nice day out yesterday. Freezing cold but bright and sunny. Funnily enough it had been thick fog and gloom all day at home.
I've done a bit of admin this morning including completing the driving licence application, so will get that sent off. I've booked and paid for school lunches up til Easter so that will be something I don't need to worry about now til March or so. They take packed lunch 3 days and have school lunches 2 days. I must say I love those two days not having to faff about with lunchboxes!
We've put up some Christmas lights and decorations this morning, and will try and get the tree down later so we can get that up as well."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 - £5
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £151
November - £175
December - £32
"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 -
It's been awful weather here today with flash flooding everywhere.
Our cat went out this morning, and hasn't come home
Little miss is distraught. Hopefully she's just sheltering somewhere and will come home soon. I've been out at a meeting all day so haven't been home as I normally would be. The same tomorrow unfortunately. "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 hope your cat returns in one piece and not too wet soon.
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Hope moggie has turned up again. They are a worry when they disappear 🐈2
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Hope the cat is back soon.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 your cat turns up.
Well done on sending the backpay to savings and PB. As you say building a decent EF is a priority 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 10/10/251 -
Aww jwil I do hope puss cat has turned up again by now - such a worry when they go awol.
Your December PADs are looking great - and well done on feeding the PBs etc with the backpay money too - who knows, maybe that will give you a bonus in addition to the pay!🎉 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/her3
Chilling this afternoon.
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