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Hi DFW321,good to see you back! Well done on the PADs, it's surprising on how they add up.debtfreewannabe321 said:Hi jwil,
Your PADs are inspiring me. I started doing this last month (after a long hiatus from the forums I am back to pay down my mortgage) and I felt like it wouldn't make much difference with small PADs here and there, but reading stories like yours helps me to see every little really does help.
I remember those books from my DS1, DS2 & DD too. I have actually kept our favourites back when the kids all had a clear out, so if I should ever be blessed with grandkids I will hand them back over as a gift, hopefully the kids will have their own fond memories of reading them with me and it's not just me who remembers them,
DFW321 
I'm sure your kids will have good memories of reading together, it was always a lovely time of day.
I hope I've taught her wellEssexHebridean said:Loving Little Miss's enthusiasm for decluttering - now I wonder where she's got that from eh?! what a star though, even if there isn't much to sell at least it's gone from the house!
How's your knee doing now? I'm having an issue with one of mine in particular at the moment - not sure what's causing it but every few days it swells up a bit and gets sore. I'm trying to be scrupulous about not sitting with my feet tucked under me a I'm sure that doesn't help!
However, I don't have half as much determination and dedication as she does, I wish I did!
My knee seems ok again thank you. It's very strange isn't it. On Friday I could barely walk by the end of the day, it was so painful, but resting it overnight helped. I have taken it easy on Saturday, and yesterday did a bit of walking but tried to keep it gentle. This morning I walked to school as normal and it was fine. I'm just getting the odd twinge now and it can be a bit uncomfortable at night but it's mostly ok. Funnily enough I think sitting badly at our home computer doesn't help as our desk has a shelf on it so we can't put our knees under it. My work setup is fine as I've got a proper table for that.
I hope your knee improves soon."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 -
Hope your knee improves EH as well as Jwil.
Great news on your DD's continued decluttering Jwil. Sounds like she's well and truly got the message that things have to go before anything new can come in.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 14/11/252 -
One of my meetings was cancelled today which turns out to be a good thing as I got a phone call this morning to say the kids in the afterschool club were doing a demonstration and presentation today so could I come down early to watch. Nothing like a bit of late notice! So I finished at 3.30, went down for that, brought the kids home, and then straight back down to school for the SATs meeting.
I think it's just going to be one of those weeks where I don't know whether I'm coming or going."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 -
Thank yousavingholmes said:Hope your knee improves EH as well as Jwil.
Great news on your DD's continued decluttering Jwil. Sounds like she's well and truly got the message that things have to go before anything new can come in.
Hopefully she's got the message! "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 -
Today's PAD - £2
Jan - £319
Feb - £36"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 clearly spoke too soon yesterday, my knee is really painful again today! However, I have still walked this morning, including to work.
I've been in the office today, and had a fairly productive day. Also an interesting one. I've finally got a new line manager after a long period of time without any real guidance. I was informed that I am working above my pay grade, and was I happy to continue considering a pay rise isn't in the offering. I said yes because the additional tasks I do make my job much more interesting, and I enjoy them in the main. (Plus I'd rather have my job than no job!)
So, whilst no one is safe, I feel slightly more confident that I may not be at the top of the list for redundancies, and I bring a lot of value to my work. That's always nice to hear, and slightly reassuring, but I'm not going to make any assumptions about what the future will bring as there's too much unknown.
The best thing is I finally have some guidance and detail on what they want me to focus on, so I no longer have to feel like I'm going rogue and I can have some structure again."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 McGee5 -
That sounds really positive 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.3 -
Sounds like your new boss is going to be helpful.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 14/11/252 -
Thank you, it doesbeanielou said:That sounds really positive
It does, and it's a big relief.savingholmes said:Sounds like your new boss is going to be helpful."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 -
Today's PAD - £2
Jan - £319
Feb - £38
"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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