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PAD (Payment a Day)
Today's PAD - £10
Jan - £129Feb - £63Mar - £85"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 -
A nice PAD today due to a bit of cash back and my voucher from the other day.
I had a nicely productive day yesterday, it was lovely to have all the doors and windows open, even if it wasn't as sunny. I tidied round and did a bit of spring cleaning. I also managed to sit with a book so that was nice.
Today we are off out for a bit. Heading to a NT place, then maybe the hills, then maybe the coast. I've just worked out that for our NT membership of £159, the visits we've done (that I can remember) total £246.50 so our membership is definitely worth it!"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 McGee7 -
It really is!jwil said:
The freedom of being in your own place again must be lovely.doingitanyway said:Sorry you are not sleeping as well as you might. One of the things I like about my own home is being able to go downstairs to make a cup of tea if I want. That is a very healthy Jan PAD.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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
We had a lovely day yesterday. We went to the NT place and had a wander around their trail. Then we walked up a nearby hill, sadly didn't see any wild ponies but lovely views to the coast. Then we headed to the coast and had fish and chips for lunch and visited the beach for a bit. My fitness is definitely improving. Whilst I won't pretend I found the hills easy, I made it around, and have recovered much better than previously. I'm not aching at all really today!
It's lovely and sunny this morning, so I've decided I'll go with DH to his mooch around the car boot sale and then will stop at a SM for a couple of bits, and then head to a garden centre. We had a load of vouchers through that I think we can actually make use of so will try and use them.
One item sold on ebay so that has been packed and posted. DH has a few things selling later as well, so hopefully we can start reducing the packaging mound! He's prepped a few more items so I shall try and get those listed later."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 McGee7 -
Sounds like a wonderful day out jwil and good news that you are feeling fitter.Lucky you with your sunny morning it’s grey and damp here. Defo feel more energetic when the sun is shining ☀️ Have a lovely day0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p14 -
Thank youSkint_yet_Again said:Sounds like a wonderful day out jwil and good news that you are feeling fitter.Lucky you with your sunny morning it’s grey and damp here. Defo feel more energetic when the sun is shining ☀️ Have a lovely day
The sun didn't last very long, but it stayed dry. It definitely always feels nice when there's a bit of sun. "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 -
4 parcels posted today, so that's some boxes gone and the last of the used xmas paper reused as packaging material.
I was in the office today until school run time, then did a bit more at home.
I didn't get the listing done yesterday so I need to try and get that on and keep up the momentum!"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 - £129Feb - £63Mar - £89"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 -
Your day out sounded fab. You have got the most out of your NT membership!
Nice that you can feel the improvement in your fitness levels 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Well done on the PADs.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 29/7/253
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