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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Back to work today.  DH is still off so hopefully him and the kids will be busy.

    I've logged on to PA for the first time in over a week to find that my pending balance is still pending!  I'd have hoped at least some of it would have been approved by now.  At least when it does come I'll be able to do a couple of nice PADs.

    Lots to do so better get on.  Have a good day everyone :) 
    "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: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Dh took the kids to the cinema today for a double bill so that left me in peace to get on.  Work is crazy busy again, with more being added by the second it seems!  I did work out that I'm only working 8 days for the rest of this month, so that cheered me up a bit :D  

    There are some more meetings on the restructure tomorrow, so hopefully we might hear a bit more.

    I managed to break the toilet cistern lid today.  The toilet hasn't been flushing very well for a while, and I took the lid off to see if there were any obvious issues.  I accidentally banged it on the sink and it smashed in half! 🤦‍♀️  No idea whether we can just get a replacement.

    I've done a few more surveys this evening, so more added to my pending balance.  Maybe everyone's on holiday.  I'm itching to do a better PAD :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
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,142 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    My niece recently got a replacement cistern lid off eBay . 

    Hope you get some good news from the restructure meetings tomorrow. Plus look forward to your PADs this week. 

    Life is an adventure, never stop exploring.

  • WinterWarrior
    WinterWarrior Posts: 6,113 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Just 8 days sounds brilliant, lucky you. Fingers crossed it’s good news at the meeting.
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ouch to breaking the cistern lid.

    Good luck with the blood test.

    Nice to have some time off planned too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • dawnybabes
    dawnybabes Posts: 3,511 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    If this is your ‘fancy’ coloured toilet - check to see if you can get a replacement - my yellow one years ago broke, we got managed to get a new one but my insurance afterwards said if I hadn’t found one they would have replaced the entire suite 😢😤😤😤
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My niece recently got a replacement cistern lid off eBay . 

    Hope you get some good news from the restructure meetings tomorrow. Plus look forward to your PADs this week. 

    Oh great news, I don't think I would have considered eBay, thank you!

    Just 8 days sounds brilliant, lucky you. Fingers crossed it’s good news at the meeting.
    Thank you :)  Best part of the day working out how little I'm working this month :D 

    Ouch to breaking the cistern lid.

    Good luck with the blood test.

    Nice to have some time off planned too.
    Thank you :)  I'm looking forward to the time off (having been back a whole day...)

    If this is your ‘fancy’ coloured toilet - check to see if you can get a replacement - my yellow one years ago broke, we got managed to get a new one but my insurance afterwards said if I hadn’t found one they would have replaced the entire suite 😢😤😤😤
    It is my fancy yellow toilet, but we already have a white cistern as the yellow one cracked a few years ago, so we just need to look for a white one.  We won't go through insurance (however tempting it is to try and get a new bathroom from there!), as I think we only paid about £60 for the cistern anyway, so worst case scenario.  Equally I could just push on with getting the sink and toilet replaced, but although I'm very keen to do so, I'm also now very reluctant to spend the money :D:D   I'm half thinking I want the savings to be bigger first so I don't wipe them out.
    "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: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £3

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £21
    "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: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Work meeting wasn't much help really.  It sounds like more will be known after September.

    I've finally had surveys approved on PA - I cashed out this morning, and enough approved to cashout again this evening.  As I can only cashout once per day, it means I can PAD tomorrow and the day after.  I still have a fair amount pending as well.

    I've had a review request for one of my debts, and the offer to discuss a settlement.  I might ask them what they are offering, but unless it's amazing I probably won't go for it.  Those debts are 0% so they can just tick over for now.  Again, it would likely wipe out my savings and I'm loathe to spend them, even though it would be amazing to clear the debt!
    "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: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Frustrating on the job situation. 

    The debt review could be a positive - but I completely get why you'd want to keep an EF.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
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