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Today's pad is from emptying my paypal account. I've got enough in my current account to get me past £300
but I'll still see if I can 'earn' it first. I did win the lottery last night, a whole £2.80, but I doubt that will land before the end of the month. "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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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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Fantastic Jwil. Your best month for PADs ever. Really well done.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/251 -
£300 is amazing 🤣🤣🤩🤩🤩🤩Sealed pot challenge 822
Jan - £176.66 :j2 -
I’m excited to see what today will bring.Mortgage 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.2
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Today's PAD - £2
Jan - £295
"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 -
savingholmes said:Fantastic Jwil. Your best month for PADs ever. Really well done.dawnybabes said:£300 is amazing 🤣🤣🤩🤩🤩🤩
Thank youin_need_of_direction said:I’m excited to see what today will bring.
Wouldn't it be nice to do that much every month!
Today's is a disappointing/teasing £2 as I didn't get any extra cash from anywhere yesterday. Even if nothing else comes in I'll break £300 with the 3 days left "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 -
It's been a quiet weekend. I haven't slept well so haven't had a lot of mojo. Thankfully DH has been busy so I've done some listing for him to try and keep his enthusiasm for sorting going!
The declutter list is looking good for this month.
I've sorted a birthday card and gift (voucher) for a relative, and booked little jwil's birthday outing. I spent more than I'd hoped on that, but it was better value to buy a party than to get individual tickets. I'll try and get that back through sales or surveys this month. February is a busy birthday month here. I've still got another one to sort out.
Not much else to report really!"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 -
Well done on the life admin. I was very happy when I stopped doing parties for my kids - as the paid for ones in particular are extortionate - but the noise of at home functions was overwhelming!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/251
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