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Today's PAD £2
Jan - £141
Feb - £139
March - £83
"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 - £141
Feb - £139
March - £85
"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 -
You were up early!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 -
If anyone can sort out multiple costs coming down the line it is you
Good PADs as per usual. They will help.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) 25/07/20253 -
Today's PAD £2
Jan - £141
Feb - £139
March - £87
"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'm always up early, I aim to start work by 6.30ambeanielou said:You were up early!
Thank you. All will be clearer when I update the SOA hopefully.doingitanyway said:If anyone can sort out multiple costs coming down the line it is you
Good PADs as per usual. They will help."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 -
Best of luck with re-balancing your budgetAchieve 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 yousavingholmes said:Best of luck with re-balancing your budget "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 on leave now, hurrah! I can't wait to have a bit of a break.
Still trying to find someone to look at the guttering, but no luck. DH has been speaking to various people and we think something has been dislodged when we last got the guttering cleaned. He's going to have a go and see if he can sort it. Fingers crossed.
Carpet fitter just called to say he's coming tomorrow at 7.45am!! Eek! So much for me having time to tidy around before he gets here, but at least he'll be gone nice and early so I can go to little jwil's Easter service.
DH is planning on taking his car for a run on Saturday to give it a good test to see if the issue has been resolved. If nothing else I'll get a bit of peace!
My plan for the next week is largely just spring cleaning, tidying, decorating and decluttering. Sorting stuff out around the house. The kids are doing a first aid course next week, and little miss has plans to have a friend around. Anything else we'll see what the kids feel like and what the weather is like. I do want to look at the budget 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 McGee4 -
Enjoy the time off and good luck with your new carpet and your new soa. At least an early carpet fit gives you a head start on putting it back together 🙂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
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