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Small steps lead to big changes...
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I'm off now for a few days, yay! I'm looking forward to some slow living.
I had a really productive day at work yesterday and ticked several things off my to do list, so it means I can relax without worrying about things I didn't manage to finish.
I've done the meter readings this morning, and sorted out the financials. I added over £400 to savings last month, including my PADs, so am very pleased with that!
We're going to head out in a bit and do some visiting but then will be back to chill this afternoon. I need to catch up on the big washing pile.
Have a good day everyone
"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 McGee8 -
That is an excellent level of savings.
Have a lovely weekend of visiting and chilling 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 -
Great savings, well done. Savour your slow living 🐢🐢3
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Well done on the savings.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 14/11/252 -
Thank you all, I'm really pleased with the savings level. Hopefully I can continue with that.
It was nice to see family earlier, and just pootle around this afternoon. I've caught up with the washing thankfully.
I also tackled a small job that I've been meaning to do since Christmas - giving my little collection of rocks and minerals a good clean and displaying them in a wooden bowl rather than the vase I was using before. They look so much better and it will just bring me lots of joy seeing them now."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 McGee8 -
That's a good wee job done then 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.4 -
Yes, I'm very pleased with it. Little miss had a great time looking through it all as well and has decided to start her own collection.beanielou said:That's a good wee job done then "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 - £3
Jan - £319
Feb - £135
Mar - £127"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 McGee2 -
I've got up with a splitting headache today. We're off out though so I shall load up with painkillers and hopefully that will clear it.
The weather's actually looking quite nice today, hopefully it will last!
Have a good day everyone."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 McGee2 -
Have a nice day jwil, I hope the headache buggers 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
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