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Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £84"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 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £86
"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 -
PAD's going well. It all adds up doesn't it
Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k2 -
Have a lovely weekend.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 youNeverendingDMP said:PAD's going well. It all adds up doesn't it It's surprising as I haven't made much effort with surveys this month, so it's mostly just from my account.
Thank youbeanielou said:Have a lovely weekend. You too. "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 -
Quiet day today. I woke up with a headache again, so think it's either my posture during the day or my pillow at night. Must look up some stretches and consider a new pillow!
I've defrosted the fridge freezer today, as last week DH left it just slightly ajar. Not enough to defrost anything (thankfully) but enough to freeze it up with snow and ice! Luckily the freezers are quite empty at the moment. I might do the porch one as well tomorrow, but will see.
It's been lovely and sunny today, and I did go and do a (very) little bit in the garden. It all counts
DH went out on his motorbike this afternoon.
Doggo had her first walk in nearly 2 weeks today. We kept it short and avoided other dogs. She's only coughing the odd time now, and didn't much on the walk. She's been desperate to go out, every time we've been going out the last few days she's been running to the door, even on the times where she knows she doesn't normally come, so doesn't usually get up."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 -
Dogs get so confused and frustrated when they cant go out. Hopefully she is well on the way to recovery and you can start to relax a little.
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I bought a new pillow that aligns the neck. I was lucky and got it in a closing down sale as they are pricey. But, I am waking without a neck ache so maybe reviewing your pillow might help?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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
I'm a side sleeper and have a related pillow. I think it helps. I also have a squishy one I used alongside it.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/261 -
Yes, thankfully it seems that way. Although when we went to the vets they suggested she had signs of another condition, so we'll have to see about that when she goes for her annual check up.ladyholly said:Dogs get so confused and frustrated when they cant go out. Hopefully she is well on the way to recovery and you can start to relax a little.doingitanyway said:I bought a new pillow that aligns the neck. I was lucky and got it in a closing down sale as they are pricey. But, I am waking without a neck ache so maybe reviewing your pillow might help?
Thank you. I shall have a look around. I had a shaped pillow before, I need the neck support as I'm a side/front sleeper. I have noticed that I am hunching my shoulders a lot when stressed, so need to consciously relax them.savingholmes said:I'm a side sleeper and have a related pillow. I think it helps. I also have a squishy one I used alongside it."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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