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Small steps lead to big changes...
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Back to school today so back in the usual routine again. Three of my projects are coming to an end at the moment, so I can see light at the end of the tunnel to not being overwhelmed at work. (Until the next lot is dumped on me that is!) I'm hoping that I can get some time to focus on the big policy changes which I need to now though.
It's been a busy day with a later finish than normal so I haven't done my 'small thing' for today. I'll have to find something I can do. Probably just putting something away!
"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 -
Nice when you can come up for air at work - it's very hard getting the right balance of workload. Mine seems to tip quite rapidly from one extreme to the other which makes it hard to plan.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 -
Yes, it's similar where I am as well. Luckily (?!) a change of management means that the workload has reduced somewhat temporarily, but I'm sure it will increase again once the new one finds their feet.savingholmes said:Nice when you can come up for air at work - it's very hard getting the right balance of workload. Mine seems to tip quite rapidly from one extreme to the other which makes it hard to plan."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 £7 (survey cashout)
Jan - £141
Feb - £139
March - £89
April £62
"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 -
Gutter co got in touch yesterday and said they will be here this weekend. More money, but at least it will be done!"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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Today's PAD £2
Jan - £141
Feb - £139
March - £89
April £64
"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 -
Good news on having a confirmed date for the guttering to be done - as you say, spendy but there is a definite measurable benefit to having it done isn't there.🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Yes, definitely, it's a definite spend now to prevent problems later!EssexHebridean said:Good news on having a confirmed date for the guttering to be done - as you say, spendy but there is a definite measurable benefit to having it done isn't there."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 - £89
April £66
"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 -
PADs going well.
Will be great once gutting sorted. Mine is leaking where it bowed out after getting a tile caught in it once. I wonder if I'm supposed to do something about that?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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