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All change for 2025
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Woo hoo! We have sofas
"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 -
Hurrah. Enjoy.jwil said:Woo hoo! We have sofas 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.
One debt remaining. Home improvement loan. 20 months left.2 -
Enjoy them 😀Sealed pot challenge 822
Jan - £176.66 :j2 -
Enjoy the new comfiness.2
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Oh lovely, I bet they look fabulous in the newly decorated room
Debt 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 Forum3 -
PAD (Payment a Day)
Today's PAD - £8 (survey cashout)
Jan - £129
Feb - £63
Mar - £22"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 -
Thanks everyone, I was so worried they'd turn up and we'd hate them or find them really uncomfortable, but all good. The kids love the recliners, and actually I do too, not thinking I would! We still need to reorganise the front room and DH needs to deal with his stuff, but they were a good purchase.
I'm feeling a lot more organised and on top of things this week. I've managed to catch up with some stuff that's been hanging over me at work, and I've got back into doing surveys hence the cash out.
I'm still doing my challenges on the app the GP sent me, and am liking it. It is giving me the nudge to do a little more, and I'm definitely starting to feel the benefits. Unfortunately my weight isn't but I'm kind of used to that now, and it's more important to me to be fitter and stronger and hopefully the weight will follow. I can see that I'm starting to change my mindset towards walking to school - now thinking it's easier to walk and not battle the traffic/parking, than it's quicker to drive - so that's good and long may it last. I'm finding it much easier to get up and down off the floor now, and little things like that - so I'm really pleased I can see progress. The good weather has definitely helped my motivation, so hopefully I can stick to these new habits when it's not so good!
The lack of council tax is helping me start replenish the savings so that's good too, I'm hoping to have a fairly quiet month without spending too much just to keep them in place. The boiler still has its puddle underneath, but I'm still hopeful it's the condensate pipe, so hopefully that will resolve over the next few days as it's meant to be milder.
It's been nice putting the washing out on the line again and having it dry! Saves using the TD."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 -
Well done on the water meters, the clear out, and decorating. Glad you are enjoying your new sofas.
Well done on the PADs too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 -
PAD (Payment a Day)
Today's PAD - £2
Jan - £129
Feb - £63
Mar - £24"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 -
Thank yousavingholmes said:Well done on the water meters, the clear out, and decorating. Glad you are enjoying your new sofas.
Well done on the PADs too. "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
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