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Today's PAD £2
Jan - £141
Feb - £139
March - £89
April £149
May - £21"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 -
Just caught up on your diary. You do so well, always love the declutter tally and the over payment, do you pay this off daily or monthly to the mortgage?3
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Thanks Missy. I pay it daily, I got the account details and just bank transfer it.missymoo81 said:Just caught up on your diary. You do so well, always love the declutter tally and the over payment, do you pay this off daily or monthly to the mortgage?"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 £8, yesterday £2
Jan - £141
Feb - £139
March - £89
April £149
May - £31
"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 -
This week has been challenging to say the least! Work is very busy, and I'm working tomorrow and also next Friday. Next week will be very stressful so I'll be glad when it's over.
I'm not feeling well at the moment, coughing a lot. I did take a covid test just in case, but it's not that. I haven't had a cold, so it's just annoying and preventing me from sleeping too.
We had our boiler service this week and they tried to write off the boiler. It's got a big dangerous sticker on it now
It's the flue outside that is the problem, and I confirmed with them that it's not dangerous 'to us' so we can still use it while we get it sorted. They are arguing that the boiler is 13 years old so it's not worth replacing the flue as the boiler should have died by now anyway. I'm arguing that we haven't had an issue with the boiler and it's working perfectly, so why would I want to replace it? It's only ever had one minor fault in the time we've had it. So I am waiting for them to quote to replace the flue and then I will get an opinion from another plumber.
I'm not adverse to replacing the boiler, ours is a brand with shoddy reviews, but it is working, so I don't see why we need to do it 'now'. I'd rather keep it going for a couple of years while we save up some more money, and also think about what we want to do in the long term - i.e. do we want a heat pump etc. We can't get a heat pump now (and I'm not sure it will ever be right for our house) as our insulation isn't good enough, we need to replace the windows and we certainly can't do that now as well as a boiler. But I want the time to research and perhaps get an eco survey done (and hope that Govt puts some decent incentives out first as well!) so I don't really want to change it now.
To top it all off, someone hit my car this morning. Me and the kids were sat in it at the time, but they didn't stop and there was another car behind them so I couldn't see the details. Thankfully there's not much damage and DH thinks from the photo I sent that it will mostly T Cut out. So blooming cross!"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 McGee5 -
Glad no one was hurt in the prangMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.2
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Thank youin_need_of_direction said:Glad no one was hurt in the prang
No thankfully it wasn't anything major. "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 can understand your reasoning on the boiler. I too would want time to think it through instead of paying out in a panic.
Also glad you are all ok. Annoying though...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) 25/0720252 -
I don't think 13 years is particularly old on a boiler!!
Sorry to hear about the prang. How annoying that they didn't stop!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 -
Thank youdoingitanyway said:I can understand your reasoning on the boiler. I too would want time to think it through instead of paying out in a panic.
Also glad you are all ok. Annoying though...
I'm glad it's not just me, I was shocked when he said they normally only last about 8 years. I expected about 20 years!savingholmes said:I don't think 13 years is particularly old on a boiler!!
Sorry to hear about the prang. How annoying that they didn't stop!
Evil me is hoping they've got a nice big dent/scrape on their car!"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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