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  • beanielou
    beanielou Posts: 97,037 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Get well soon little jwil ❤️‍🩹
    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.
  • teapot2
    teapot2 Posts: 3,607 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hope the wee one feels better soon.  I've got that message banner too at the top of my PA page 🤔
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Get well soon little jwil ❤️‍🩹
    Thank you :)  He's ok in himself, but a nasty cough.

    teapot2 said:
    Hope the wee one feels better soon.  I've got that message banner too at the top of my PA page 🤔
    Thank you :)  I was concerned about the message, as assumed there would be more faff to deal with, but it works exactly the same as before, and both times I've cashed out, it's gone to my paypal account immediately, so doesn't actually seem any different than before!
    "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
  • teapot2
    teapot2 Posts: 3,607 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    jwil said:
    beanielou said:
    Get well soon little jwil ❤️‍🩹
    Thank you :)  He's ok in himself, but a nasty cough.

    teapot2 said:
    Hope the wee one feels better soon.  I've got that message banner too at the top of my PA page 🤔
    Thank you :)  I was concerned about the message, as assumed there would be more faff to deal with, but it works exactly the same as before, and both times I've cashed out, it's gone to my paypal account immediately, so doesn't actually seem any different than before!
    I tried cashing out this affy too and like you, no problems, I think there was just an extra message appeared on the screen but I didn't have to do anything different 👍🏼
  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope little Jwil recovers quickly. 

    Well done on the sales, decluttering and PADs. Them getting a reward for their efforts will hopefully make it more repeatable for them.
    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
    teapot2 said:
    jwil said:
    beanielou said:
    Get well soon little jwil ❤️‍🩹
    Thank you :)  He's ok in himself, but a nasty cough.

    teapot2 said:
    Hope the wee one feels better soon.  I've got that message banner too at the top of my PA page 🤔
    Thank you :)  I was concerned about the message, as assumed there would be more faff to deal with, but it works exactly the same as before, and both times I've cashed out, it's gone to my paypal account immediately, so doesn't actually seem any different than before!
    I tried cashing out this affy too and like you, no problems, I think there was just an extra message appeared on the screen but I didn't have to do anything different 👍🏼
    It's a relief that it's no real change for us!

    I hope little Jwil recovers quickly. 

    Well done on the sales, decluttering and PADs. Them getting a reward for their efforts will hopefully make it more repeatable for them.
    Thank you :)  I'm hoping it will be a good incentive for them. 
    "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
    Today's PAD - £10 (another survey cashout)

    Jan - £319
    Feb - £111
    "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
    Another week done, hurrah!

    I'm so tired.  It was another bad night with little jwil coughing himself sick, so he's had another day off today.  His cough seems to be better today so fingers crossed it's on the turn now and he can go back tomorrow.

    I've decided that tomorrow, apart from the school runs, I'm going nowhere and am going to chill for the day.  I need some silence and have done a lot of peopling this week so I need a break.

    I had a phone call from the cavity wall insulation people asking if we were still interested.  They said they would do the extractor fans for free.  I've said yes, and got an appointment for next month.  My mental health is much better than it was when I cancelled the previous appointment, and we've made some progress with tidying since then too.  I've also got a month rather than a few days so I don't need to panic about getting everything done immediately.

    Those who have moved fairly recently, what does an EPC involve?  They are going to do an unofficial one for us as we don't have one and a rating is needed to get the free insulation.  Is there anything in particular I need to make sure is accessible? Where do they go?

    Off to swimming with little miss in a bit, then my weekend can 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 McGee
  • beanielou
    beanielou Posts: 97,037 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your you day tomorrow  :)
    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.
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