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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,097 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I used to work with a bloke who had a retirement countdown on his computer so every day he logged on it told him how many days he had left. He reckoned he’d been counting down since he started work after uni 🤣
    That is so tempting :D:D 
    "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: 22,097 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    6 listings done.   I've also cut DH and little jwil's hair.

    I've emptied a box in our bedroom, it needs tidying, but at least it's another box gone.  DH is selling a few things today so I can declutter the box as well.  One item sold yesterday so that has been packed and posted as well.

    Washing is in the tumble drier as it keeps raining on and off.

    Voucher ordered for a birthday gift and printer ink ordered for here.

    I think I'm going to do a roast today, it's been ages since we've had one, and I quite fancy 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 McGee
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'd bin the rags on bid day/evening before so no time to retrieve.

    I knew someone who had a paper calender on his work wall until he hit his earliest retirement date - but his attitude matched so not the best combo.

    Good luck with your new target. I must admit - I'm looking at houses and seeing if there is anything I can do to avoid that kind of major on the house spend.... i.e. buy somewhere that's already done.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • jwil
    jwil Posts: 22,097 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'd bin the rags on bid day/evening before so no time to retrieve.

    I knew someone who had a paper calender on his work wall until he hit his earliest retirement date - but his attitude matched so not the best combo.

    Good luck with your new target. I must admit - I'm looking at houses and seeing if there is anything I can do to avoid that kind of major on the house spend.... i.e. buy somewhere that's already done.
    I don't ever go into the garage, it's full (!)  As long as it's out of the house, I'm not so bothered for now.  The garage's day will come but it's the least of my worries at the moment.  I don't believe I have anything in there.

    I trust my work attitude is still good.  I've always enjoyed my job until recently, but I've always worked to live and not the other way round.  Enjoying it has been a benefit.  The recent issues are doing a good job of focussing my mind though.

    I don't intend on moving, so we are here, but if I was ever to move, I wouldn't buy a house needing work again.  This one, we bought a relative out so we got a bigger house in a good location for no additional borrowing.  It's the hassle more than the money, but I am hoping that we can spend less than that.  As almost everything needs doing, I'm guessing it won't be far off though.
    "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
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think on the moving question - it probably factors in how much the houses in your area cost. In my area they are lower than 'down south' so moving can be a valid way of avoiding doing the work yourself but still reaping the benefits.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • dawnybabes
    dawnybabes Posts: 3,403 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    My first house was a do’er upper ! Hence the yellow bathroom suite.  It was all we could afford but by the time we’d finished it I hated it, it had stopped us doing so much stuff and taken so much time we had it on the market whilst I was doing the last coat of gloss 🤣🤣. Our next house was completed ! 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 22,097 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think on the moving question - it probably factors in how much the houses in your area cost. In my area they are lower than 'down south' so moving can be a valid way of avoiding doing the work yourself but still reaping the benefits.
    Yes, we paid less for this based on the work needing doing.  We'd never have been able to afford it done up.  Once the work is done, it will more than pay for itself in terms of value, although that isn't our motivation as it's (hopefully) our long-term home.

    My first house was a do’er upper ! Hence the yellow bathroom suite.  It was all we could afford but by the time we’d finished it I hated it, it had stopped us doing so much stuff and taken so much time we had it on the market whilst I was doing the last coat of gloss 🤣🤣. Our next house was completed ! 
    I can understand that and don't blame you at all :D   I often think it would just be easier to move.  However, the location is perfect for so many things, the benefits outweigh the negatives.  We've lived with it 'as is' for 10 years while we couldn't afford to do any of the work, so we can take our time (as long as we get it done by my self-imposed deadline :D:D )
    "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: 22,097 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £100 (PB win :grin: )

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £134
    "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
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fab PB win and use of it. You did amazing last month.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • beanielou
    beanielou Posts: 95,816 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Your pads are awesome. 
    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.
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