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  • jwil
    jwil Posts: 22,593 Forumite
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    Today's PAD - £5

    Jan - £31
    "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 McGee
  • jwil
    jwil Posts: 22,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I had a fairly busy morning yesterday tidying around and cleaning, and then yesterday afternoon DH and I watched the second series of Reacher.  We enjoyed it.

    Today I plan on mostly chilling. 
    "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 McGee
  • teapot2
    teapot2 Posts: 3,601 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Enjoy your chilling, I am doing the same  :)
  • jwil
    jwil Posts: 22,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    teapot2 said:
    Enjoy your chilling, I am doing the same  :)
    Thank you :)  It's been very nice.  Hope you've had a relaxing day too :) 
    "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 McGee
  • jwil
    jwil Posts: 22,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've had a fairly chilled day today, it's been nice.  I've mostly been reading.  I did sort through and prep the last of the Christmas veg.

    DH has been a busy bee sorting through his ebay listings and adjusting prices and pulling some stuff off to car boot or send to charity.  He's also been sorting some other stuff and has emptied three boxes, so that's all 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 McGee
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the ongoing decluttering.

    Annoying about the pension age changing. Hate to break it to you - but they are considering another - which if they follow the 10 year rule could negatively affect you.
    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 10/10/25
  • jwil
    jwil Posts: 22,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    Well done on the ongoing decluttering.

    Annoying about the pension age changing. Hate to break it to you - but they are considering another - which if they follow the 10 year rule could negatively affect you.
    What change is that?  I know I can't get my pension to at least age 57.
    "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 McGee
  • jwil
    jwil Posts: 22,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £33
    "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 McGee
  • jwil
    jwil Posts: 22,593 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another Monday done.  Both kids were in afterschool clubs today, so that gave me a good excuse to make sure I'd finished by 4 to pick them up.  It's surprising how much difference it makes having that hour and not having to do the school run at 3.

    Very cold here today, so I did stick the heating on a couple of times to take the edge off.

    Walked again this morning and am still sticking to my eating windows.  It's actually working well for me at the moment, and seems to be something I can build on in the future.
    "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 McGee
  • Less_Talk_and_More_Action
    Less_Talk_and_More_Action Posts: 260 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    Hi @jwil. 

    Great the eating windows are working.  Always great when some something you try works out or shows promise.   It’s a good starting point for sure.  

    L x 
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