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Small steps lead to big changes...
Comments
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Ice cream tubs make excellent salad boxes. 😁2
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Well done on the PADs. Hope going in makes a pleasant change.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 youWinterWarrior said:I hope you have a better 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 McGee1 -
That's a good idea. I don't buy ice cream tubs though. Maybe I should 'for the cause'peb said:Ice cream tubs make excellent salad boxes. 😁
Thank yousavingholmes said:Well done on the PADs. Hope going in makes a pleasant change. It does make a change, but when I spend most of the time on online calls anyway, I wonder why I bother "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 -
Today's PAD - £3
Jan - £319
Feb - £135
Mar - £129
Apr - £79
"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 -
The pads are looking good.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 -
Can relate on the online calls issue. It's only worth it - if it's at least hybrid then with a few of you present and some remote.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 -
I'm with you on the risk of leaky lunchboxes. If I put it in my bag "right way up" then the risk is that the lid pops off through pressure to the sides, but if I pop it in there on its side, I'm worried it will just leak! If I do go the salad-in-an-ice-cream-tub route then I will only chance it with a sturdy elastic band holding everything together!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Great PADs
I'm catching up so allowed to comment on the wonderful photos.
It looked like such a lovely day for you all 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 -
Thank you, they are doing better than I'd expect this month!WinterWarrior said:The pads are looking good.
Yes, there was only me and another person in the office, so I spent most of the time having meetings online.savingholmes said:Can relate on the online calls issue. It's only worth it - if it's at least hybrid then with a few of you present and some remote.
Yes, exactly that! I've had so many times where all I can smell is my lunch all day.EssexHebridean said:I'm with you on the risk of leaky lunchboxes. If I put it in my bag "right way up" then the risk is that the lid pops off through pressure to the sides, but if I pop it in there on its side, I'm worried it will just leak! If I do go the salad-in-an-ice-cream-tub route then I will only chance it with a sturdy elastic band holding everything together!
Thank you, it was lovelydoingitanyway said:Great PADs
I'm catching up so allowed to comment on the wonderful photos.
It looked like such a lovely day for you all "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
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