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Small steps lead to big changes...
Comments
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Today's PAD - £2
Jan - £44
"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 -
Not much planned for today, I've got the phone being collected so need to wait for that this morning. Just planning on pottering around.
I've been on to FD this morning about the lack of access to my matured funds from my regular saver. 5 days was up yesterday. It's ridiculous it takes so long! They transferred the money over to the current account for me so that's all good. I think I'll probably look into switching that account."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 forgot - at very long last I have booked my blood tests. I was going to wait til March and see whether I could stick with my new regime, but they sent a reminder so I thought I'd just get them done. It will be interesting to see whether any of the changes I have already made have made a difference. I'm guessing not as my weight hasn't changed, but who knows!"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
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Hopefully the changes have helped. Well done anyway. My fruit and veg intake is lacking compared to yours. By a country mile. I must try harderJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k2 -
Thank youNeverendingDMP said:Hopefully the changes have helped. Well done anyway. My fruit and veg intake is lacking compared to yours. By a country mile. I must try harder
My F&V intake can be hit and miss, I tend to eat a decent amount generally, but then other times I'll eat hardly any. "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 -
DH has been a busy bee today sorting through the boxes of toys and sorting out what needs to go. He's made loads of progress thankfully, and saved me a job that I keep looking at and getting overwhelmed by
He'll sort it and photo it, and then I will list it all. "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 -
Great team work 😊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.
One debt remaining. Home improvement loan. 21 months left.2 -
Well done on the continued decluttering.
Hopefully you can keep up your new regime and see a difference.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/261 -
Thank youbeanielou said:Great team work 😊 It's good to make some progress
Thank yousavingholmes said:Well done on the continued decluttering.
Hopefully you can keep up your new regime and see a difference. It would be nice to see a difference at some point! "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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