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New plan...time to see some movement!

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  • Robin09
    Robin09 Posts: 596 Forumite
    Sixth Anniversary 500 Posts Name Dropper Photogenic
    I am cheering you along to your club 10 and 2 stone award!

    Will also be joining you in being skint this month :( always seems worse in the holidays doesn't it!
    SPC 076
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Robin09 wrote: »
    I am cheering you along to your club 10 and 2 stone award!

    Will also be joining you in being skint this month :( always seems worse in the holidays doesn't it!

    Thank you :)

    Yes, it's always harder in the holidays when there's stuff on, and you want to take the kids to it but can't.
    "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: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    DH's taking the kids out this afternoon so I will have a bit of a break :T Might try and hunt some stuff to ebay and just have a general tidy around.
    "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
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Can he take mine too? They're doing my nut in.

    Or just have time for yourself? Catching up with orange is the new black or gardening? Or scrolling through farrow and ball. It's always nice looking at what they have on offer even if it's never possible. Or just some pintrest action?

    Xxxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • doingitanyway
    doingitanyway Posts: 9,965 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Hope you are enjoying your child free time :)

    Sorry it's a tight month but I'm sure you'll still find things to do with the children.

    Your weight is coming off and your debt is going down, so all good :)
    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) 25/072025
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kitten868 wrote: »
    Can he take mine too? They're doing my nut in.

    Or just have time for yourself? Catching up with orange is the new black or gardening? Or scrolling through farrow and ball. It's always nice looking at what they have on offer even if it's never possible. Or just some pintrest action?

    Xxxx

    I know that feeling!

    I did a lot of the tidying in the morning before they went :T So sat down and finished my book, then went for a walk :D

    I haven't watched OITNB - is it good? I might add it to my watchlist.
    Hope you are enjoying your child free time :)

    Sorry it's a tight month but I'm sure you'll still find things to do with the children.

    Your weight is coming off and your debt is going down, so all good :)

    Thank you :) It will be fine once we come back, I'm just loathe to spend anything before we go.

    I'm taking them to the trampoline place this morning (costs nothing because of our pass) and DH has suggested a walk in the woods 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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just cashed out £5.12 on PA - is it me or are surveys taking ages to be approved on there at the moment?

    I'm 25p away from cash out on one poll - constantly refreshing but no surveys!
    "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
  • doingitanyway
    doingitanyway Posts: 9,965 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    jwil wrote: »
    I'm taking them to the trampoline place this morning (costs nothing because of our pass) and DH has suggested a walk in the woods later.
    Perfect and as you say, free. Enjoy :)
    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) 25/072025
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    I have loved OITNB and need to rewatch from the beginning to get all their stories again. I would definitely put it on your watch list.

    I'm so glad you used it for time for you rather than time to firefight against the cleaning in the house. When I get time alone in the house it so exceedingly rare I run about doing as much cleaning as possible... hubby however sees it as time to relax and will be just watching the wrestling. So I'm sure your hubby wouldn't mind you relaxing.

    Hope your Ebay sales have all done well tonight and theres loads to go in the morning.

    I'm jealous of your bounce passes. I never seem to find anything like that that's age appropriate. Keep up the great work xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you took some 'me time'. I found SW very up and down. You have to look at your overall progress rather than individual weeks - the trend....
    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
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