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Small steps lead to big changes...
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Today's PAD £52 (PB win), yesterday £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £60
"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 -
Lovely PADAchieve 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 -
Great pad.Happy Monday 😊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 both
It should have said PB win 
It was a nice surprise. I've cashed out on PA today so should be able to do another bigger PAD tomorrow.
Back to school and work today. It was a struggle! But at least a quiet day without meetings so I could catch up with emails if nothing else.
2 ebay parcels posted as 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 -
Today's PAD £15 (survey cashout)
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £75
"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 the PB win 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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Whoop, amazing PADsSealed pot challenge 822
Jan - £176.66 :j1 -
Well done on the PB win. We don't have any and I often think should I buy some every so often. Definitely boosts the PAD for June well done you for putting it straight in thereJan 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...1 -
doingitanyway said:Good news on the PB win
Thank you bothdawnybabes said:Whoop, amazing PADs
I generally add £25 a month, and it's my emergency fund. It's just that tiny bit more of a hassle to withdraw that I'm never tempted to dip into it so it works for me. I also dream of winning the million, but will happily settle for the £25 or more!NeverendingDMP said:Well done on the PB win. We don't have any and I often think should I buy some every so often. Definitely boosts the PAD for June well done you for putting it straight in there
I have to quickly make the PAD without letting it settle otherwise it's at risk "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 -
Got my passport today! That was about a 3 week turnaround so not bad. I will try and get the kids photos done and then do one of theirs.
School photos tomorrow, must make the effort to remove the glitter from little miss before she goes in tomorrow
I'm so tired. I haven't slept well the last couple of nights. Hopefully tonight will be better.
I heard back from brownies today and little miss can start this week. I'll have to juggle work hours a little just for her first time (assuming she wants to go) but it will only mean losing around 30-45 mins so should be easily doable."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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