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Small steps lead to big changes...
Comments
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Today's PAD - £26
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £123
August - £110
"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 -
Excellent PAD, be careful with the bookcase.hope the update doesn't take too long or cause any issuesJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
Ah I hope you manage a good day. The first day back is always the worst. Well done on the PADs
snd the decluttering. I really do feel your pain with the job. I’m absolutely in the same boat and having to go back to work after time off is awful.
chin up.2 -
Thank youNeverendingDMP said:Excellent PAD, be careful with the bookcase.hope the update doesn't take too long or cause any issues
I haven't done anything with the bookcase yet. I will be careful though! The update wasn't too bad, I hate it when things look different though 
Thank youmissymoo81 said:Ah I hope you manage a good day. The first day back is always the worst. Well done on the PADs
snd the decluttering. I really do feel your pain with the job. I’m absolutely in the same boat and having to go back to work after time off is awful.
chin up. It's horrible isn't it, the first day is definitely the worst! Hope you had a better day xx "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 - £93
July - £123
August - £112
"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 -
Great PADS, thats over £1000 so far this year!! The small amounts really do add up 🎉🎇🎈2
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teapot2 said:Great PADS, thats over £1000 so far this year!! The small amounts really do add up 🎉🎇🎈
Thank you bothlookbook said:
Yes they really do.teapot2 said:Great PADS, thats over £1000 so far this year!! The small amounts really do add up 🎉🎇🎈 It always amazes me! The surveys really help bump the total up as well. "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 had my call back from the GP as promised yesterday - excellent service again. Good news is bloods came back clear so no evidence of anything wrong. However, not so good news is that my HBA1C came back as diabetic! I was only just over the prediabetes level in Jan so it seems to be a huge jump. To be honest, although I am shocked, I'm not surprised, the last few weeks/months I haven't been eating well at all, and I haven't been particularly active. I need to have another test in a couple of weeks to confirm.
So I need to make sure that is a wake up call for me and make a proper plan as to what I'm going to do."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 -
Sorry about the blood test results. A loss of even 5-10% of weight can give major benefits. I appreciate that if like me you have a lot of wright to go it's a big target but breaking it down like that helped me get past my all or nothing approach.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
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