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Well done on getting the car payment heading north
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Thank youdoingitanyway said:Well done on getting the car payment heading north "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 -
School uniform rage again! The emergency trousers have arrived and they've sent the wrong ones! It's so frustrating. I can't return them as he needs them tomorrow. They will have to do until we can get something else. Anyone know when stocks are likely to be replenished? Everywhere is still showing out of stock.
I did both school runs today, and I seem to have got slightly quicker which is good. I wasn't quite so out of puff today. I've been on plan as well, so I'm pleased with myself. I'm enjoying the new strike book so that is encouraging me
"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 -
Great big pad.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 -
Your new car sounds great.
Kids can be a nightmare with school uniform and last minute requests. Hope things settle down soon.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:Great big pad.
Thank yousavingholmes said:Your new car sounds great.
Kids can be a nightmare with school uniform and last minute requests. Hope things settle down soon. I'm excited (and nervous) about the car!
Little jwil is having a strop about his trousers this morning, I have pointed out that it's a situation of his own making!"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 -
PAD (Payment a Day)
Today's PAD - £3
Jan - £129
Feb - £63
Mar - £103
Apr - £149
May - £79
June - £145
July - £157
Aug - £81
Sept - £154
Car balance Sept 25 - £11,031 - now £10,800"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 -
Car balance has reduced as normal payment made to CC today, though that doesn't count as a PAD. £1 extra for some cashback today.
Thank goodness it's Thursday! I'm looking forward to some peace tomorrow."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 -
I've toddled over to your diary @jwil as you've been so nice as to comment on mine. I'm looking forward to reading it from the beginning. I may be some time as the famous Captain Oates remarked......😉Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
That's very kind of you! Brave reading back, it's probably just a load of moaningSeasidegal58 said:I've toddled over to your diary @jwil as you've been so nice as to comment on mine. I'm looking forward to reading it from the beginning. I may be some time as the famous Captain Oates remarked......😉 "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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