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Small steps lead to big changes...
Comments
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Today's PAD - £2
Jan - £46
"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 carried on sorting the toys and prepped some listings, so I'll get those on later. I gave him a pile of books to add to the charity bag as well. It's nice to see stuff going! One item sold, that's packed and postage printed.
I've booked us a weekend away in Cornwall, so that's something to look forward to.
I've updated the financial spreadsheets and opened a new regular saver for DH.
"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 -
Today's PAD - £7
Jan - £53
"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've got some leave to use up by the end of the month so have booked 2 days next week and a day the following week. I'm looking forward to that!
I've also booked a couple of days in half term, though DH is off for the full week so we can do a couple of family days.
A pleasant start to a busy week
"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 -
That’s great.A good pad too.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 -
How lovely on the mini break booked and the time to use up... Hopefully you can rest and recover a bit.
Well done on the PADs.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 youbeanielou said:That’s great.A good pad too.
That was a small ebay sale.
Thank yousavingholmes said:How lovely on the mini break booked and the time to use up... Hopefully you can rest and recover a bit.
Well done on the PADs. There was a little confusion about how much leave I had left, so I'd saved some hours. Turns out I didn't need to save them so I had an extra day to take, always a nice bonus! "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'm feeling a bit grotty today. The problem is that I'm struggling with my health anxiety at the moment, so I've lost the ability to tell whether I'm actually ill (I'm not, I'm probably coming down with a cold), or just fixating on things that wouldn't bother me if my anxiety wasn't there (which is most likely the case!) I started reading through my CBT book again a while ago, but didn't keep up with it, so I must take the time to do it as it has helped me before. I don't want to go on meds again, so I need to work on it myself. I'm not constantly thinking I'm seriously ill, but more like I am hyper aware of every twinge and symptom, and overthinking them and focussing on them when I should be ignoring them.
Anyway, I did take my blood pressure today (which I probably shouldn't be doing while I'm struggling), and since I started monitoring it last summer, it has been on a downward trend. So that's good news! It was slightly high before, and is now very close to the recommended. Hopefully I'll see a similar result when I have my bloods done. If they haven't gone up, I'll be happy.
I cashed out on PA today so another PAD tomorrow. I haven't been keeping up with surveys so I must try and get back into them."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 -
Keep plodding xxI 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
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