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Today's PAD - £10
Jan - £63
"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 -
Hopefully as it lightens up outside you will start to feel better. I can relate to agonising over symptoms.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 -
Hi @jwil. Sorry to hear you have anxiety about your health. Your blood pressure trend is great and generally I think there are loads of bugs around at the moment so it’s quite easy to feel a bit rubbish as your body is probably working properly and fighting stuff off. The cold and dark doesn’t help. You are great at taking one thing at a time so just take it step by step and see how you feel - be kind to yourself. You also run a home, work and have young children. All those things have an impact as well.L x2
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Thank you, I hope so! It's quite intrusive isn't it.savingholmes said:Hopefully as it lightens up outside you will start to feel better. I can relate to agonising over symptoms.
Thank you, yes there's a lot going round at the moment, and the cold is not helping. I've made sure I've put the heating on in the day (I don't normally) the last couple of days and it has made a difference.Hi @jwil. Sorry to hear you have anxiety about your health. Your blood pressure trend is great and generally I think there are loads of bugs around at the moment so it’s quite easy to feel a bit rubbish as your body is probably working properly and fighting stuff off. The cold and dark doesn’t help. You are great at taking one thing at a time so just take it step by step and see how you feel - be kind to yourself. You also run a home, work and have young children. All those things have an impact as well.L x"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 - £7
Jan - £70
"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 -
Great work on the added F&V - adding good stuff into your diet is a great way of improving health I think. Also there are lots of reasons why your weight might not change and it definitely doesn't indicate that your general health isn't getting better - the blood pressure is a far better indicator, for a start! Well done!
I feel you on the health anxiety - it's a devil of a thing isn't it.🎉 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/her2 -
Well done on the PADs. Nearly at your early weekend
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 youEssexHebridean said:Great work on the added F&V - adding good stuff into your diet is a great way of improving health I think. Also there are lots of reasons why your weight might not change and it definitely doesn't indicate that your general health isn't getting better - the blood pressure is a far better indicator, for a start! Well done!
I feel you on the health anxiety - it's a devil of a thing isn't it.
I'm happy to be fat and fit, but I wouldn't complain if I was a little less fat 
Health anxiety is a pain in the rear.
Thank yousavingholmes said:Well done on the PADs. Nearly at your early weekend Nearly my weekend, and I'm not back until Wednesday so even better! 
"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 - £2
Jan - £72
"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 -
Last day today for a few days and I have a huge to do list, so I should be getting on with it! I'm looking forward to a few days just pottering around."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
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