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Today's PAD £102 (thanks Nationwide!) 😁😁😁Jan - £141Feb - £139March - £89April £149May - £79June - £194"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 McGee6
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Hurrah
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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 -
Fantastic PADs.
On the work - I'd find that really frustrating. I struggle when my boss just goes on holiday...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 youbeanielou said:Hurrah
Thank you. I'm glad it's not just me. I normally like my job (most of the time), but this just makes me not want to bother.savingholmes said:Fantastic PADs.
On the work - I'd find that really frustrating. I struggle when my boss just goes on holiday..."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 - £79
June - £196"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 -
You're almost at £200 and it's not half way through the month yet. Well done.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'm really pleased with the total this month. Thank yousavingholmes said:You're almost at £200 and it's not half way through the month yet. Well done. "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 - £79
June - £198
"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 -
Great PADs as per usual.
I hope you find a solution to the neighbour, so you can enjoy some solitude in your garden
Have a good day
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253 -
Thank youdoingitanyway said:Great PADs as per usual.
I hope you find a solution to the neighbour, so you can enjoy some solitude in your garden
Have a good day "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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