We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Small steps lead to big changes...
Comments
-
Thank youdoingitanyway said:Great PADs and the bathroom plans are taking shape. All good
"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 - £118
June - £83
"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 - £114
May - £118
June - £85
"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 McGee3 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £87
"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 McGee3 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £89"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 McGee3 -
Just posting PADs is a good way of keeping contact until you can do more. All good. Take care.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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Well done on the PADs.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
doingitanyway said:Just posting PADs is a good way of keeping contact until you can do more. All good. Take care.
Thank you bothsavingholmes said: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 - £118
June - £91"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 -
Morning everyone. I'm still plodding along. Sales keep trickling out, and we are still gradually adding stuff to the declutter list. DH has actually tackled some long standing bits so that's good. He's also got a bit more enthusiasm for getting stuff done on the house which is very good!
Our kitchen taps have been done, and it seems like a luxury having taps that work and don't drip, and don't need huge amounts of effort to turn on and off! We've also had the quote for the bathroom which came in as expected, so we are waiting to hear when that can be done. That is very exciting. Not so much for little miss who said 2024 was turning out to be the worst year of her life due to losing the cat and now changing the bathroom
I think she will come round though, especially if we give her a say in the flooring/paint.
Work still sucks and they have delayed letting us know about the restructure until autumn, rather than next month. Least surprising bit of news ever, but no less frustrating.
School is still incredibly busy. Little jwil is on a residential at the moment, next week he's on a school trip, 2 days at secondary, and little miss also has a school trip. I have election day. Hopefully by the end of next week things will start to settle down. With every activity ticked off the list my mental load eases slightly. Trying to remember who needs to be where, when and with what, and juggling my work hours to fit it all in is hard work! I'm very grateful for the flexibility I have with work though and try to keep that at the forefront of my mind when moaning!"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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.5K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards