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Small steps lead to big changes...
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Today's PAD - £2
Jan - £319
Feb - £61
"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've been in an absolutely foul mood today. I think my hormones are adding to the rage!
Logged on this morning to find multiple things that had been dumped on me, or more realistically people 'hadn't got round to' before they were away. Some had been sitting on stuff for nearly 2 weeks so it's me that looks bad when a delayed response comes from me, especially when it's a fairly standard query.
I try and be understanding that we are all different and work in different ways, but it's so frustrating when people either can't be bothered to answer something, or spend so much time chatting or faffing around that they don't get round to doing stuff and then others have to pick up the pieces!
Anyway, breathe.... maybe I'll be needed too much for them to let me go
Speaking of which, I requested a quote for VR today. It will at least give me the knowledge to plan should I be made compulsory redundant. Requesting the quote doesn't put me in the firing line at all, as there is an official form to complete to apply for VR, and I won't be completing it.
Pancakes for tea tonight which is a brighter end to the day
"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 nice to know your figures at least.
Sorry today was the pits. Only one more day to go and then you are off again.
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 -
Good to know your figures.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 -
Thank yousavingholmes said:It's nice to know your figures at least.
Sorry today was the pits. Only one more day to go and then you are off again.
Well done on the PADs. Funnily enough I'd forgotten that I'm off again after tomorrow, you've cheered me up, thank you!
That's what I thought. I calculated my current estimates based on statutory which is what my current employer offers, so it will be nice to see what I'd actually get based on the T&Cs I was under before.beanielou said:Good to know your figures."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 - £319
Feb - £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 McGee5 -
Hop you are having a better day 💐2
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Thank youteapot2 said:Hop you are having a better day 💐 I got out of the right side of bed this morning I've had a productive day and got some positive comments about a piece of work that I'd done which is always nice. DH took the kids out for the day so I've had some peace and quiet which also helps.
Despite the fact that we don't celebrate Valentine's day, DH and I got engaged 20 years ago today!
We've sold two of the kids items so that's a little more going. I still need to sort through little miss's clothes which are dumped in our bedroom. I'll try and get to that tomorrow.
I'm off now until Monday which is always a good thing "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 -
Enjoy your time off ✨Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
Glad you've had a more positive day. Enjoy your break.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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