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Comments

  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £59
    "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 McGee
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It has been a lovely day here today, so we've been out for the day.  It's been really nice to get out and about and we visited some of my favourite places.

    I'm working tomorrow and Wednesday and then off again Thursday and the weekend, so that's a nice short 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 McGee
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,154 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Great photos JWIL and lovely weather . Spent many hours on that beach . Great work by little miss , could you send her to my DGD 😂.
    Life is an adventure, never stop exploring.

  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sunshine_girl2 said:
    Great photos JWIL and lovely weather . Spent many hours on that beach . Great work by little miss , could you send her to my DGD 😂.
    Thank you :)  It's not a beach we tend to go to often, so it was nice for a change!  Little miss is on the way.  She'd love it :D 
    "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 McGee
  • beanielou
    beanielou Posts: 97,040 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Looks stunning.
    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.
  • ladyholly
    ladyholly Posts: 4,052 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Little miss is a star with her decluttering. Well done on the sale and heres hoping more to follow.
  • Onebrokelady
    Onebrokelady Posts: 7,950 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Lovely photos 😊
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gorgeous photos - sounds like a great day out.
    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 14/11/25
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you everyone :)

    Back to work with a bump today.  At least it's only two days and I'll be able to finish earlier as I won't have to allow time for the school runs.
    "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 McGee
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