📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

All change for 2025

Options
14243454748119

Comments

  • jwil
    jwil Posts: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PAD (Payment a Day)

    Today's PAD - £2

    Jan - £129
    Feb - £25
    "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 McGee
  • sashybo
    sashybo Posts: 4,595 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Glad to hear about your job. 👏🏻 Good luck with C25K, I started it over a year ago and still haven’t completed it. 😂 I still do run for 20 seconds, walk for 30 seconds and alternate like that for 5km. 

    The furthest I’ve managed is 7km, I’d like to work up to 10km eventually. I definitely feel the benefit of getting outside even when it’s raining and I don’t want to go, I feel so much better afterwards.
    Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £11,174, Car loan 2 £5,532, CC 0% BT £780. Debt Free Diary to try & keep spending in check.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good news on your job. 

    Well done on your PADs.

    Good the radiator is fixed. Oops on the dog bed!
    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
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    As you say if you can get through the next 2 years then that would be fantastic. 
    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.
  • jwil
    jwil Posts: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sashybo said:
    Glad to hear about your job. 👏🏻 Good luck with C25K, I started it over a year ago and still haven’t completed it. 😂 I still do run for 20 seconds, walk for 30 seconds and alternate like that for 5km. 

    The furthest I’ve managed is 7km, I’d like to work up to 10km eventually. I definitely feel the benefit of getting outside even when it’s raining and I don’t want to go, I feel so much better afterwards.
    Thank you :)  I think as long as you are doing something it doesn't matter how it's done.  I do find the later weeks of C25K intimidating where there are fewer walking breaks :D  (even though I'm not running!).  I definitely feel better if I get up in the morning and do it.

    Good news on your job. 

    Well done on your PADs.

    Good the radiator is fixed. Oops on the dog bed!
    Thank you :)  Luckily she doesn't use it that much!

    beanielou said:
    As you say if you can get through the next 2 years then that would be fantastic. 
    That would definitely be the plan, things should be much easier then.
    "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 McGee
  • joeyjimbles
    joeyjimbles Posts: 2,249 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well done on the C25K - you are inspiring me to get back out there, hate running when it's wet or dark. I do love having Sarah Millican cheering me on in my ear - for some reason her suggestion to go and get a banana really amuses me. I won't, I don't like them but it's a nice suggestion
    LD 12.25 £1600.00/£0700.00             Fn £274.00  LTFn £525  LLTFn £300     
    Renewal 25 £500.00/£500.00            InsH 12.25 £600/£600.00   InsP 03.26 £150/£150.00
    NPt 12.25 £150.00/£051.50               Ins/TC 02.26 £550/£470.00
    YX25 £1500/£0750                             FD £3600/£0600
    PX25 £1500/£0625                             P6m £1200/£0800  PEa £100/£060          
  • jwil
    jwil Posts: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the C25K - you are inspiring me to get back out there, hate running when it's wet or dark. I do love having Sarah Millican cheering me on in my ear - for some reason her suggestion to go and get a banana really amuses me. I won't, I don't like them but it's a nice suggestion
    Aww thank you :)  It's definitely hard to get out when it's cold and dark and wet!  Much easier in spring/summer.  I have Sarah Millican as my voice too, she makes it more fun.
    "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 McGee
  • jwil
    jwil Posts: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not much achieved today.  I've just been chilling, I've read several magazines on Borrowbox. I stopped buying magazines years ago (apart from the SW one) so it's a bit of a treat being able to read them for free. I watched a few episodes of Friends too,  I'm nearly at the end now, so might watch the last few tonight.

    I've got the usual back to work dread, I'm doing a webinar this week, I don't know why I agree to do these things!  At least I've got another couple of long weekends as it's half term next week so I booked off Monday and Thursday.  DH is also off the week after so I won't have to worry about childcare for a couple of weeks. After that it will be new sofa time, hurrah!
    "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 McGee
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope your week goes well. 
    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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.