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Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £123
August - £51
"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 -
Hi Jwil - as you know I totally relate on the job front. Not surprising you're having anxiety in the circumstances. It's a messy situation.
Good your house is coming together and that you are able to be more active with the kids.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 16/1/262 -
Thank you, although I wouldn't wish it on anyone, it's nice to know people understand.savingholmes said:Hi Jwil - as you know I totally relate on the job front. Not surprising you're having anxiety in the circumstances. It's a messy situation.
Good your house is coming together and that you are able to be more active with the kids.
The house is slowly getting there and it's nice to get out and about."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 -
Sorry for your anxiety. It makes sense. I recall when we had redundancies at work and everyone felt on edge, as we always had the feeling that not all information was being shared with everyone.
The house is sounding good.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 -
Yes, it's definitely the case that information is not being shared and it's all just dragging on for so long. It's been going on for well over a year now.doingitanyway said:Sorry for your anxiety. It makes sense. I recall when we had redundancies at work and everyone felt on edge, as we always had the feeling that not all information was being shared with everyone.
The house is sounding good.
The house is definitely improving, still a long way to go in terms of 'stuff' but progress with the structure is happening which is 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 McGee2 -
Another quiet day today. DH has been out on his bike. I've mostly lazed around reading. I've arranged for friends to come round on Thursday so that will give me a nudge to get of my rear and do some of the spring cleaning I had planned to do but haven't got round to yet!"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
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Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £123
August - £53
"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 -
Family day out sounds fantastic as does the time spent reading, both amazingly good for making you feel better I'm sure. Housework can wait a bit longer whilst you recharge x. Says me who spent all b***""y night cleaning cos th house is not in a Good way. Any tips for being full time whilst running a house are welcome!! Especially when the kids are home making more mess 😂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 £15k3 -
Become mess blindNeverendingDMP said:Family day out sounds fantastic as does the time spent reading, both amazingly good for making you feel better I'm sure. Housework can wait a bit longer whilst you recharge x. Says me who spent all b***""y night cleaning cos th house is not in a Good way. Any tips for being full time whilst running a house are welcome!! Especially when the kids are home making more mess 😂
I don't have very high standards which helps 
. I try and do any housework on my work days so that I can do other things on my non work days. It's a pain trying to do it, but the payoff for not having to do it when I'm not working is huge. "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 McGee6 -
Today's PAD - £8
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £123
August - £61
"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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