We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Small steps lead to big changes...
Comments
-
We've had a quiet couple of days. So much for getting loads done in the house! Today it's a lovely sunny day again so we are heading to the seaside.
Hope everyone is 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 McGee3 -
Enjoy your day out 🌟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 -
Enjoy the sceneryAchieve 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 29/7/252 -
Have a lovely day! We are off to the seaside tomorrow ☺️.We pay £46pm on a meter & it has fluctuated by a couple of pounds for a few years. We are a family of 4 too. We have a hosepipe but use it sparingly in the garden. DH likes to wash the cars at home but is very much a bucket man & uses a watering can for the my pots & the greenhouse when needs to in the summer. I am currently doing my mums washing so it feels like the machine is always on! Not sure how the charges differ up here in God’s own county to you in your beautiful part of the country 😁3
-
Have a lovely day 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 -
WinterWarrior said:Enjoy your day out 🌟beanielou said:Have a lovely day
Thank yousavingholmes said:Enjoy the scenery We had a lovely day
Thank you, that's really interesting. They say the average bill around here is £500 a year so we are paying twice that. It sounds like we could definitely save even if our charges are more than up in your lovely part of the country!BalanceBy50 said:Have a lovely day! We are off to the seaside tomorrow ☺️.We pay £46pm on a meter & it has fluctuated by a couple of pounds for a few years. We are a family of 4 too. We have a hosepipe but use it sparingly in the garden. DH likes to wash the cars at home but is very much a bucket man & uses a watering can for the my pots & the greenhouse when needs to in the summer. I am currently doing my mums washing so it feels like the machine is always on! Not sure how the charges differ up here in God’s own county to you in your beautiful part of the country 😁"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 -
We've had a lovely day today. Couple of hours on the beach chilling, then a visit to one NT property for a picnic in the gardens (and a wander around), and then we went to another NT property in the afternoon and the kids did another Easter egg trail.
For our new year's membership (which started this month), today's entry fees have almost covered half the bill, so we are well on track for making it pay for itself "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 -
Glad you had a great time out.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 -
Thank you!savingholmes said:Glad you had a great time out."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 -
Happy Easter everyone! Hope today is full of chocolate or other joys for you.
The easter egg hunt has been sorted. We'll pop in and visit family later, then a nice roast, and chilled afternoon planned.
Hope everyone has a good day."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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.5K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards