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Small steps lead to big changes...
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Today's PAD - £3
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £151
November - £175
December - £114
"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 -
I'm having an admin day today because (hurrah!) the boiler is being done. Hopefully by the end of the day we'll have hot water and heating!
I've done an updated financial statement for my DMP and notified my creditors. I've upped my payments a little bit which will hopefully keep them happy for a while.
I've sent off a complaint to my mortgage company about an issue they've just notified me about which is from years ago.
I've done a few surveys including a nice £9 on PA which has already paid out so I'll PAD that tomorrow.
We met up with friends at the weekend and also went to a couple of NT places so we've well and truly made good use of our membership this year.
My anxiety is through the roof at the moment. I'm hoping that once today is over, I can just hibernate and chill out for a few days to get myself back on track. The house is fairly tidy because of the boiler, and I'm ready for Christmas with everything wrapped (just need to get fresh food), so my mental load should reduce a bit and I can hopefully relax and just potter about.
Hope everyone is 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 McGee4 -
Hopefully being warm will help your mood. I'm being kinder to myself on the heating this year as it did affect me feeling relatively cold at times last year.
Well done on the PADs and updated DMP.
Hope you manage to reset soon.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 you. Yes, the heat is definitely helping, it takes a lot of the tension out of the muscles.savingholmes said:Hopefully being warm will help your mood. I'm being kinder to myself on the heating this year as it did affect me feeling relatively cold at times last year.
Well done on the PADs and updated DMP.
Hope you manage to reset soon."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 - £12
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £173
September - £120
October - £151
November - £175
December - £126
"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 -
I feel a lot better today. It must be partly the heat and partly the fact that there's no pressure to do anything now. Hopefully my digestive system will settle in a couple of days as that's always bad when I'm stressed. I'm more inclined to eat better now that it's warm again, so that will help too. I've been eating too much bread and not enough fruit and veg so that won't have been helping.
The kids want to go swimming today, so we are doing that later. The exercise will be good!
Little miss is engaged in creating things out of the huge boiler box, so she's having great fun. I've popped a lot of cardboard out for recycling today, hopefully they will take it, if not, I'll pop it into the shed for a tip run at some point. I've made sure it's all flattened and folded, so not huge pieces.
Little jwil has taken himself off to his room, so I'm going to sit in silence and chill for a bit with a book before we go out.
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 McGee5 -
Sitting with a book makes everything better. EnjoyMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.3
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It does, thank youin_need_of_direction said:Sitting with a book makes everything better. Enjoy "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 -
Reading is food for the soul.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 -
Ahhh reading, swimming, and the ability to put the heating on - all priceless in their own ways. Well done too for realising that your MH isn't great at the moment and taking steps to treat yourself kindly over it. It's so easy to convince ourselves that we have to just keep on keeping on, and it reakly isn't helpful.🎉 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/her5
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