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DH has been busy decluttering today so that's a good thing! I have a lot of listing to be getting on with. I think he tired the kids out yesterday as they looked shattered. Little jwil did go out on his bike for a bit though.
I got the link for the recording for yesterday so I shall try and watch that at some point.
I got a compliment on my abilities at work today so that was nice."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 -
Well done on the survey and the PAD. Glad DH is helping out with the kids.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 10/10/252 -
Nice to get work compliments - especially during fluxAchieve 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 10/10/252 -
Great to get compliments.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.3 -
Thank yousavingholmes said:Well done on the survey and the PAD. Glad DH is helping out with the kids.
savingholmes said:Nice to get work compliments - especially during flux
Thank you both. It was nice to receive, and would give me hope if only the person who gave it had any input into the restructure, which they don't. But it was nice anyway!beanielou said:Great to get compliments."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 -
Today's PAD - £10
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £111
"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 -
Well done on the PADAchieve 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 -
"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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Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £113
"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 -
Happy Friday! We are hoping to head out for the day.
But I'm incredibly miffed. The flipping toilet is blocked! That has never happened to us before, and 2 weeks into a new one 😡 We don't flush inappropriate things. The only thing I can think of is that I found some rolls of toilet paper we used to use and it's thicker than what we currently use so maybe that's caused an issue. Typically, if it isn't something simple to resolve, the plumber was going on holiday so I won't be able to get him back. So fingers crossed!"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
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