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Small steps lead to big changes...
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Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £123
August - £80
"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 -
We've been in town today to get the rest of the school stuff. I think we are done now! I'm definitely going to go back to doing it at the start of the holidays next year, it was really busy trying to find trainers!
I've made a big pot of soup so I had some for lunch and will portion the rest up.
Not much else planned today."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 - £93
July - £123
August - £82
"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 -
I made soup yesterday too.
Sorry anxiety is still nagging away, but I am pleased your GP was so helpful.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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Thank youdoingitanyway said:I made soup yesterday too.
Sorry anxiety is still nagging away, but I am pleased your GP was so helpful.
"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 -
I've packed a few ebay parcels today with some bulky and long standing items gone so that's good
I've also decluttered my desk shelf, which is long overdue. Found cheque/paying in books for accounts I haven't had for years! I need to find a charity ink cartridge recycling scheme, I saw a FB post from a local charity the other day so will see if I can find that and post off the ones I have.
I've ordered some more sticky name labels for school uniforms (looking for old ones was part of the motivation for clearing the desk), and I've run a scan and clean on the computer as it has been running slow. It seems to have improved thankfully."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 -
So impressive of your GP.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 you, I was pleased. Hopefully it will continue that way next week.beanielou said:So impressive of your GP."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 -
Glad you had a supportive GP. Sorry that another person is leaving at work. I think certain people are part of why we stay so it makes it double hard and a lot less predictable when they go.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 you. Yes, you are right, the colleagues we work with make a big difference, and it's hard when there's lots of change.savingholmes said:Glad you had a supportive GP. Sorry that another person is leaving at work. I think certain people are part of why we stay so it makes it double hard and a lot less predictable when they go."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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