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Bah to cars
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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 -
Well done on your Feb PAD total.
Sorry about your car news. Hope things aren't as bad as the guestimate.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 -
Sorry about the car :
2 -
Oh no 😖 I feel your pain as mine is still off the road for another week until the garage can fit it in. I have been quoted £700 tops, but you can’t really budget until you really know! I remember a lot of car worries when I was little, like would the family car get us to our holiday, having to stop at the side of the road for it to cool down because of traffic jams, etc. That worry has stayed with me for life. You are doing a brilliant thing talking about how you save for things, that’s such useful knowledge for little people 🌟Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p13 -
Hey, I don’t even know what I want to do when I grow up, yet! 🤣🤣 I’ve said on here before - I talk a good story, things aren’t half as busy or organised as they sometimes sound though!jwil said:
Thank youEssexHebridean said:You've started March positively on the PAD front I see - well done! That February total was great for a short month too - in real terms that effectively beat January didn't it!
Good work on the pension thing too - you've reminded me that I was going to start feeding a bit extra into mine each month - I might start with matching your £30 from any spends account surplus I have, as that seems as good a figure as any. Thanks for the inspiration!
Good point on the PADs, I hadn't thought of that.
Well done on adding to your pension. I've just finished your old diary, now need to catch up on your new one. It is very inspiring, I want to be you when I grow up
However, I have done that pension contribution - so thank you for inspiring me!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Car is a pain but well done for doing the AVCs.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) 25/0720252 -
beanielou said:Bah to carssavingholmes said:Well done on your Feb PAD total.
Sorry about your car news. Hope things aren't as bad as the guestimate.pennywisepoundstupid said:Sorry about the car :
Thank you alldoingitanyway said:Car is a pain but well done for doing the AVCs. "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'm the same. Our cars were always breaking down as a child. Once a car starts getting unreliable I want to replace it. DH has spent a fortune on his car this year, so I'm twitchy about being in it now. He wants to keep it going though.WinterWarrior said:Oh no 😖 I feel your pain as mine is still off the road for another week until the garage can fit it in. I have been quoted £700 tops, but you can’t really budget until you really know! I remember a lot of car worries when I was little, like would the family car get us to our holiday, having to stop at the side of the road for it to cool down because of traffic jams, etc. That worry has stayed with me for life. You are doing a brilliant thing talking about how you save for things, that’s such useful knowledge for little people 🌟"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 -
Keep talking the talk then.EssexHebridean said:
Hey, I don’t even know what I want to do when I grow up, yet! 🤣🤣 I’ve said on here before - I talk a good story, things aren’t half as busy or organised as they sometimes sound though!jwil said:
Thank youEssexHebridean said:You've started March positively on the PAD front I see - well done! That February total was great for a short month too - in real terms that effectively beat January didn't it!
Good work on the pension thing too - you've reminded me that I was going to start feeding a bit extra into mine each month - I might start with matching your £30 from any spends account surplus I have, as that seems as good a figure as any. Thanks for the inspiration! Good point on the PADs, I hadn't thought of that.
Well done on adding to your pension. I've just finished your old diary, now need to catch up on your new one. It is very inspiring, I want to be you when I grow up However, I have done that pension contribution - so thank you for inspiring me!
Glad you sorted the pension contribution! That's what I love about the diaries on here, there is something to take from every single one. Everyone has something to give, even though we all think our own diaries are really boring! "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 - £141
Feb - £139
March - £10
"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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