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Thank you everyone, it's such a relief for now. I don't know what things will be like so will see how it goes, but if I can stick it out 8 years, then I can 'retire' (there would be 2 years before I could access my pension early so I'd either need to have enough savings to cover me or find a PT job). If they do further rounds of cuts, or it's just not great working there anymore, I'd like to manage another 2 years until little miss is out of primary school, then things will be easier in terms of childcare etc, and I'll hopefully be in a stronger place financially.
Yesterday was a quiet pottering day. Today probably more of the same. I got up early this morning and decided to restart C25K. So week 1 'run' 1 done today. I walk rather than run, but speed up on the running sections. It feels good having done it and was lovely to be out with the sun coming up. It's noticeable that all the walking is definitely helping my strength and fitness, even if there is a long way to go!"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 -
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 McGee2 -
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.2
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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 29/7/251 -
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.1 -
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.
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
(even though I'm not running!). I definitely feel better if I get up in the morning and do it.
savingholmes said:Good news on your job.
Well done on your PADs.
Good the radiator is fixed. Oops on the dog bed!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."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 -
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 suggestionLD 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/£0601 -
joeyjimbles said: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
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 McGee3 -
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 McGee4 -
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.2
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