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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 - £63"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 -
DH and I have been out this morning getting the food. I think we're done now. I'll probably need to get milk beforehand but other than that we've got everything. We went to several supermarkets to stock up on the various veg as they all had slightly different offerings.
I've got to clean the oven this afternoon, and we've been tidying around a bit. DH has removed several piles of papers from the front room, hurrah! I've got one lot of bedding in the wash and will do the rest tomorrow. That will then be all the bigger jobs 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 McGee5 -
Also only milk to get!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 -
Hi Jwil. Well done on the PADs not easy this time of year.
Sounds like a good childcare solution.
Good luck with the sleep.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
It's a nice feeling isn't it!beanielou said:Also only milk to get!
Thank you. I'm hoping that I'll get some decent sleep while I'm off.savingholmes said:Hi Jwil. Well done on the PADs not easy this time of year.
Sounds like a good childcare solution.
Good luck with the sleep."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 -
Despite the fact that I was very tempted to leave it and get a takeaway instead, I have done the oven! I'm very relieved it's done. DH hoovered and put some washing away. I think he's been swapped!
Time to chill with a book and some TV this evening. Have a good one
"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 -
Sounds like you’ve had a busy day, enjoy your chill with your book and the TV. Well deserved after cleaning the oven x2
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Thank youJustcrackingonwithit said:Sounds like you’ve had a busy day, enjoy your chill with your book and the TV. Well deserved after cleaning the oven x I'm so tempted to pay someone to do it next year 
"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 - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £123
Aug - £118
Sep - £60
Oct - £113
Nov - £66
Dec - £65"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 -
Happy Sunday. I was up earlier than planned, and feel a bit CBA today, so I'm just going to snuggle up and chill. I've got the last of the bedding in the wash so at least that will be done with the exception of our duvet which I'll do tomorrow.
I'm feeling the urge to ramp up the decluttering next year. Despite getting rid of lots, everywhere is still rammed and it's very frustrating. There's loads of kids stuff around which they never use, so I need to try and persuade them to get rid. I can do another sweep of my stuff too, though I've got the least in the household. Everywhere gets so grubby as it's always such a huge job to move everything to clean, and I am either short of time, or it just seems too much effort half the time."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 McGee4
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