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Small steps lead to big changes...
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Hope the weather stays good and you have a good day out if you go. Well done on the swimming. Can feel.like an age in each stage but they all do so well don't they. Swimming is a hard thing to master xJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
Thank youNeverendingDMP said:Hope the weather stays good and you have a good day out if you go. Well done on the swimming. Can feel.like an age in each stage but they all do so well don't they. Swimming is a hard thing to master x
We did go in the end to have a look around. They have done very well with swimming, it's lovely to see. I'm contemplating getting in touch about little jwil though, they never do the thing he needs to move up a level! "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'd definitely get on to that for little Jwil.
I would have thought car boots for your DH would be like an addict going back to their drug of choice... I've had to try and keep away from all such temptations as it too soon gets out of control - especially when it's a bargain.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 -
It is really, and he knows my feelings on it. However, to be fair he is much better now and buys a lot less than he used to. He also knows that I don't want him buying stuff for the kids unless it is to be put away for a birthday or Christmas.savingholmes said:I'd definitely get on to that for little Jwil.
I would have thought car boots for your DH would be like an addict going back to their drug of choice... I've had to try and keep away from all such temptations as it too soon gets out of control - especially when it's a bargain."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 - £89
April £149
May - £17
"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 -
Listings, PADs, car boot. You continue to inspire 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Thank youdoingitanyway said:Listings, PADs, car boot. You continue to inspire "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 - £89
April £149
May - £19
"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 PADs. Glad you have managed to retrain your DHAchieve 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 -
Thank yousavingholmes said:Well done on the PADs. Glad you have managed to retrain your DH It's a work in progress I think 
"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
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