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  • Sun_Addict
    Sun_Addict Posts: 24,002 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Time to relax and recharge - from work at least, maybe not home wise with two little ones and Christmas looming 🤣
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry Jwil I'd somehow missed that you'd started a new diary.  All caught up. Great news on your job. Hope your sleep is improving too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Just found your diary and will catch up. Just a quickie though what’s PAD please?
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Just found your diary and will catch up. Just a quickie though what’s PAD please?
    It’s a payment a 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.
  • Thanks @beanielou you can tell I’m new around here!
  • jwil
    jwil Posts: 21,896 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £118
    June - £93
    July - £123
    Aug - £118
    Sep - £60
    Oct - £113
    Nov - £66
    Dec - £61
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,896 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Time to relax & be. 
    Thank you :)  That's the plan.

    ladyholly said:
    Enjoy your time off. You have earned it with all the stress from your workplace.
    Thank you, I definitely need the break from work!

    jwil said:
    I'm too tired to do a proper update, but I'm now on leave until 6th January 😁🎄🥳

    I will catch up properly soon.
    Ooh brilliant enjoy the break 
    Thank you :)
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,896 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Time to relax and recharge - from work at least, maybe not home wise with two little ones and Christmas looming 🤣
    Thank you, it will be nice to just chill.  Thankfully the kids are not too hyper these days :D 

    Sorry Jwil I'd somehow missed that you'd started a new diary.  All caught up. Great news on your job. Hope your sleep is improving too.
    Thank you, nice to 'see' you.  Sleep is still up and down, better than it was though.

    Just found your diary and will catch up. Just a quickie though what’s PAD please?
    Thanks for popping in!  It's always nice to have visitors.  As beanie says PAD is a 'payment a day'.  It's a small thing but adds up a lot!
    "If you can dream it, you can do it". Walt Disney
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