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Sorry life feels a bit rough and tumble currently. Hope things smooth out for you soon. When is your next seaside trip?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 you, it does seem to be going on a bit! Hopefully we're coming out of it all now.teapot2 said:Glad little jwil is ok after his fall - you are all having a bit of a time of it health wise. Hope the poorlies feel better soon and the coughs subside.
Yes, it's very kind of them! 'Touch wood' we've only ever been a couple of times with little jwil and not at all with little miss. Long may that last!Sun_Addict said:Sorry to hear you succumbed to the lurgy generously shared with you by the family. How sweet of little miss looking after you.Glad little jwil is ok. Oh the times I was in and out of A&E with mine when they were little 😞WinterWarrior said:Oh my goodness, poor little jwil. If it’s not one thing it’s another! I hope you all feel better soon.
Thank you, it has felt neverending!
"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 -
Thank yousavingholmes said:Sorry life feels a bit rough and tumble currently. Hope things smooth out for you soon. When is your next seaside trip?
This weekend we are off to the seaside again, very much needed 
"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 McGee0 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £73"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 -
Finally, I had some sleep last night! Still loads of coughing, but it was a handful of coughing fits rather than continuous, so I got a good hour or two between coughing fits. Although I'm still tired, I don't have the brain fog I've been wandering around with for a few weeks.
Fingers crossed this is it turning the corner now!
I've put our bedding in the wash this morning, packed two ebay parcels, and upped my AVC contributions by £25 in anticipation of my NI 'wealth'. I've got all the new annual bills now, but haven't looked at them to see how they change. It looks like council tax is up by around £30 a month alone, so that really wipes out the NI gain 🙄 Water I expect is up around £10 a month, and not sure about internet etc yet. School have put up breakfast/afterschool club prices, and school meal prices too, so I need to do a new budget. It will be nice to see energy prices fall a little though.
Better crack on, I've got loads to do today."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 McGee7 -
Frustrating to see gains wiped out so easily - however better in our pockets.
Glad you have the beach to look forward to at the weekend.
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 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £75
"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 -
Thank yousavingholmes said:Frustrating to see gains wiped out so easily - however better in our pockets.
Glad you have the beach to look forward to at the weekend.
Well done on the PADs. "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 -
The increases are annoying, especially the school as you would think they’d know how their prices can impact on the parents budgets and the children’s well-being. It just feels like as soon as something goes up everything else follows 😖
The beach is something lovely to look forward to.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 -
Just waving hello and wishing you well soon.
I'm just reading back. I've missed so much!
the weather holds for the beach. Although I'm weird and love the beach in 'bad' weather too
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252
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