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Happy Thursday! This week has flown by. Still annoyed about working on Saturday but it should be an interesting event anyway so the thought is probably worse than the reality."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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Glad the meeting went okay and that little Jwil is doing alright. Well done on the PADs.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
Thank yousavingholmes said:Glad the meeting went okay and that little Jwil is doing alright. 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 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £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 -
Well done on the PADs. Hope Jwil is feeling more relaxed now it's Friday and the Sats are finished. Hope the trip is good for him too. Our school does pyjamas and films all day for year six on the Friday of sats week and they let them bring sweets and a fizzy drink! It's a badge of honour I think for them all too walk by with their oodies on and all the younger kids then can't wait for their turn ...Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 nov 25- just over 64k
June 25 Debts in my name were £5170. Now 7150 (Nov 25)2 -
He's very happy they are over. They got given a little goodie bag yesterday with cake and sweets in it. Little miss can't wait until it's her turn 😆 I think it's nice that the schools do it though, it helps take the pressure off, and when they are looking forward to something rather than dreading it, it makes a difference.NeverendingDMP said:Well done on the PADs. Hope Jwil is feeling more relaxed now it's Friday and the Sats are finished. Hope the trip is good for him too. Our school does pyjamas and films all day for year six on the Friday of sats week and they let them bring sweets and a fizzy drink! It's a badge of honour I think for them all too walk by with their oodies on and all the younger kids then can't wait for their turn ..."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 -
It's been a full on week and I'm shattered today. I've got to work tomorrow, so today I am just going to chill out. I do need to tidy around and hoover, but apart from that I'm going to relax. It's sunny at the moment, so I'm going to have breakfast in the sun with a book. I need to eat better today. This week hasn't been great, and I feel the difference!"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
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Enjoy your day of almost relaxation ☀️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 -
Enjoy the sun. Sats week is stressful for parents too!jwil said:It's been a full on week and I'm shattered today. I've got to work tomorrow, so today I am just going to chill out. I do need to tidy around and hoover, but apart from that I'm going to relax. It's sunny at the moment, so I'm going to have breakfast in the sun with a book. I need to eat better today. This week hasn't been great, and I feel the difference!Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 nov 25- just over 64k
June 25 Debts in my name were £5170. Now 7150 (Nov 25)2 -
WinterWarrior said:Enjoy your day of almost relaxation ☀️
Thank you bothNeverendingDMP said:
Enjoy the sun. Sats week is stressful for parents too!jwil said:It's been a full on week and I'm shattered today. I've got to work tomorrow, so today I am just going to chill out. I do need to tidy around and hoover, but apart from that I'm going to relax. It's sunny at the moment, so I'm going to have breakfast in the sun with a book. I need to eat better today. This week hasn't been great, and I feel the difference! "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
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