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Brownies are a good idea for little miss
I want a doughnut now!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.3 -
Hopefully she'll enjoy it.beanielou said:Brownies are a good idea for little miss
I want a doughnut now!
doughnuts generally are lovely!"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 -
Enjoy the swimming.
As people have said to me - look back and think how far you've come on decluttering and on your financial journey in recent years. Your kids have usable bedrooms. You were able to rewire upstairs as the clutter wasn't in the way. That's huge progress.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 10/10/254 -
So this. Be proud.savingholmes said:Enjoy the swimming.
As people have said to me - look back and think how far you've come on decluttering and on your financial journey in recent years. Your kids have usable bedrooms. You were able to rewire upstairs as the clutter wasn't in the way. That's huge progress.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 -
Thank you. That's very true.savingholmes said:Enjoy the swimming.
As people have said to me - look back and think how far you've come on decluttering and on your financial journey in recent years. Your kids have usable bedrooms. You were able to rewire upstairs as the clutter wasn't in the way. That's huge progress. However much I still moan about the clutter, it is infinitely better than it was. The kids rooms weren't usable before because they were rammed with stuff. Downstairs wasn't much better. Now they have their rooms, and the front room in particular is nowhere near as bad as it was.
Thank youbeanielou said:
So this. Be proud.savingholmes said:Enjoy the swimming.
As people have said to me - look back and think how far you've come on decluttering and on your financial journey in recent years. Your kids have usable bedrooms. You were able to rewire upstairs as the clutter wasn't in the way. That's huge progress. It's good to have those reminders to make me think back to how it was. "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 -
Didn't a car go too?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 -
I am sure it did 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 -
savingholmes said:Didn't a car go too?
Yes, you are right, thank you for the nudging! It has been really useful and a good reminder of how much we have achieved.beanielou said:I am sure it did"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, yesterday £5
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £2"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 -
Swimming was good yesterday, I must try and go more often. The problem is that most of the times I can go, the pool is closed for swimming lessons. I'll have to look and see if there are any options for a Friday perhaps.
Today we are seeing family so that should be nice.
I need to do the financials. I've been a bit spendy the last couple of months so trying to have a quieter month to try and get on top of things. We are off to Edinburgh in a couple of months so want to have a nice bit set aside for that.
I lost another 1.5lb today which takes me to 8lb off now
It would have been a 3lb loss if I'd used yesterday as a weigh in 🙄, but hey ho. Hopefully it will come off again in time for next week. "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
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