Small steps lead to big changes...
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Well done on the PADsAchieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
2) Spend on handyman & external building works & new patio door £12.65K
3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
5) FI Age 60 annual income target £13.7/30K 45.7%2 -
Thank yousavingholmes said:Well done on the PADs
"If you can dream it, you can do it". Walt Disney2 -
A pottering type day today. I've emptied two bags from the small room, and have rediscovered some old nick nacks that I loved. I've popped them out on display so they can bring me joy
I've also decided to have a go at the kitchen, pull everything out of the cupboards, clean and declutter if possible. I figured best get on with it just in case the plumber needs to go investigating anywhere else
I've given the area he will be working a good clean, and also done an alcove and a cupboard too. So I've made a start! I've got a couple of weeks so don't need to rush through it all.
I want to make a start on the kids bedrooms too. All the stuff I dumped in there is putting me off, hence tackling the two bags today. It's a small start, but better than it was this morning. I've got to keep telling myself it's better to do something than not bother because I can't do it all!
Prompted by @savingholmes to look at TCB I had some cashback payable so I've withdrawn that and will PAD when it arrives. Not a large amount, but it all helps. I still have some pending too.
I've got some listings I need to get on as well. DH is currently selling a few things which go out tomorrow, so we should be losing a bit more clutter."If you can dream it, you can do it". Walt Disney5 -
Baby steps.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.4 -
Today's PAD - £2
Jan - £44
"If you can dream it, you can do it". Walt Disney2 -
Not much done so far today. We've booked a weekend in Cornwall using the s#n holidays promotion. We were hoping to try Dorset or S Wales but those options weren't available with the dog. It does break up the year having a weekend away, and good for less than £100.
I've adjusted one listing, but not added the new ones yet, I need to do that. I've been organised and got birthday stuff for the next couple of months. It's our busy birthday time of year. I've also got some filler and sanding blocks ahead of sorting the bedrooms. I don't want to buy paint until I know whether we've already got some useable stuff here or not.
DH has arranged to take the kids to visit his brother next Saturday so I might take that time to start on the small room. In order for me to do that I need to get everything out otherwise it will just use up all my time moving stuff. I'm going to try and do a little each day."If you can dream it, you can do it". Walt Disney2 -
Good idea to do a wee bit every day 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 -
Weekend away sounds lovely!*Dad loan - £5300 - £1700
*Virgin Credit Card - £3552.50 - £0
*Barclaycard - £0
*Total debt - £1700*
*Sinking Fund - £2000/£3000*
*Emergency Fund -£50/£2000
*Debt Repayments Pot - £0/0*
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3 -
It would be good if I didbeanielou said:Good idea to do a wee bit every day Today's attempt involved me standing in the small room thinking, where do I start, and leaving again! 🤦♀️
Thank you, it's always nice to have a breakSarahwithlove said:Weekend away sounds lovely! We only ever use the accommodation and spend the time at the seaside or exploring. "If you can dream it, you can do it". Walt Disney3
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