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I finished week 1 of c25k last week, little miss enjoyed doing it on the way to school. We’ve done lots of walking this weekend but that doesn’t count though its really nice to see how my fitness has improved through the general walking that I’ve been doing. I’ll need to make the effort to do it this week as the kids are off. I’m only working 2 days which is nice.I need to update the spending spreadsheet with this weekend’s spends but don’t think we went too spendy, it was mostly food.I’m another year wiser so we are going out to dinner tonight. I’ve been well and truly spoiled and have a nice stash of big river vouchers to treat myself. I’ve also got a little pile of books to read too and some photo storage boxes I’ve been wanting for ages but couldn’t bring myself to spend money on, so I can finally finish organising my photos!"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 McGee10
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Happy Birthday!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/262 -
Happy birthday. Glad you've had a lovely break and a nice day. Hope the meal was lovely tooJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k2 -
Happy birthday xxSealed pot challenge 822
Jan - £176.66 :j2 -
Belated Happy Birthday, glad you enjoyed your weekend away and upgrade too2
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Hope you had a lovely birthday.Debt Free - 4th June 20252
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Happy belated birthday Jwil, hope you had a lovely meal xx2
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Happy belated birthday 🎂I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Happy belated birthday @jwilDebt Free: 6th November 2025!! 🥳
Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £232,212.93
2026 goals:
26 books (3)
26lbs lost (2)
£26k sinking funds & savings (£6.5k)
£2600 mortgage o/p (£400)
20,600 exercise and meditation minutes (2.8k)
2.6l water a day
2026 Top Cashback accrued: £5.46
Nectar: £116.50
Boots: £1.99
DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum2 -
Happy belated birthday - sounds like a great weekend.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1
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