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Small steps lead to big changes...
Comments
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Today's PAD - £2
Jan - £319
Feb - £57"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 -
25 listings done. Fingers crossed for some sales!"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
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Amazing. Well done youMortgage 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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Thank youin_need_of_direction said:Amazing. Well done you
"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 -
Positive vibes for sales.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 -
I've got all of little miss's clothing washed now, and the last of it drying. I'll sort through it all tomorrow and see what's staying and going. I'm hoping to clear a lot so that it's more manageable for her. She's made a good start on organising her room. Little jwil has had a tidy of his room and will sort through stuff another day. He did put out 2 books to go.
We took little miss out for another session on her bike, and she's cracked it today! All by herself as she didn't want us to help
I'm very proud of her tenacity.
I put out a couple of towels and a bedsheet to go, they will be added to the clothing bags.
I started watching One Day last night so I might continue with that tonight. I did read the book years ago, but I have clearly forgotten it all! I have enjoyed what I watched so far though. I'll have to try and read the book again sometime.
"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 -
Little Miss is on a roll with her organising. Great she has mastered the bike too, thats a big milestone 🚲🎖🎈2
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Great result on Little Miss getting the decluttering bug. Well done on listing 25 items and good luck for the sales. Well done on the PADs.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 -
Thank youteapot2 said:Little Miss is on a roll with her organising. Great she has mastered the bike too, thats a big milestone 🚲🎖🎈 We're really pleased. She was so anxious about doing it, we'd just assumed she never would.
Thank yousavingholmes said:Great result on Little Miss getting the decluttering bug. Well done on listing 25 items and good luck for the sales. Well done on the PADs. One item selling already so it's a start! "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
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