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Small steps lead to big changes...
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Today's PAD - £2
Jan - £141
Feb - £139
March - £12
"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 PAD
Well done to EH too on pensionAchieve 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 29/7/253 -
Thank yousavingholmes said:Well done on the PAD
Well done to EH too on pension
"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 -
Today's PAD - £2
Jan - £141
Feb - £139
March - £14
"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 -
Little jwil had his birthday treat with his friends yesterday, he really enjoyed himself. Little miss had a friend along too so they wer both happy.
I've been back painting the bedroom this morning, it's starting to take shape now! It's hard finding the time to do it amongst everything else! We'll need to start looking at carpets soon as I'm determined to finish it once and for all!"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 -
Glad Little Jwil had a good time
Could your DH do part of the painting?
You could have it finished for Easter.
Have you thought of click laminate for the floor?
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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 -
It's lovely when the end of a house project is in sight.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 -
Completely agree with this - I've lost count of the number of things that we now do as a result of thinking "wow - that's a really good idea!" having read about someone else doing it on here!jwil said:
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!🎉 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/her4 -
Thank youbeanielou said:Glad Little Jwil had a good time
Could your DH do part of the painting?
You could have it finished for Easter.
Have you thought of click laminate for the floor? He has been helping. Definitely hoping it will be done by Easter (and it should be!)
I haven't really considered laminate, but I think I'd prefer carpets in the bedrooms. It might be one to consider downstairs though eventually.
Definitely!savingholmes said:It's lovely when the end of a house project is in sight.
I agree, I've changed so many things as a result of being inspired by others on here.EssexHebridean said:
Completely agree with this - I've lost count of the number of things that we now do as a result of thinking "wow - that's a really good idea!" having read about someone else doing it on here!jwil said:
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 McGee1 -
I've still been padding:
Today's PAD - £2, and £2 a day since last time I posted
Jan - £141
Feb - £139
March - £26
"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
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