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Small steps lead to big changes...

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Comments

  • jwil
    jwil Posts: 22,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    satchmo1 said:
    It could be worthwhile having a saving pot for school uniform/requirements, as they will sadly be an ongoing expense.

    Well done on the mile loop, especially with the gradients. After a few weeks, try increasing your speed for the uphill section, swinging your arms vigorously. 


    Thank you.  I've got one, just underestimated it so I need to work it out so it's more realistic next year.

    I've got my c25k app which I am not running, but is a good reminder to speed up in the running sections, but I shall add some arm swings, thank you :) 
    "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: 22,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The volcano definitely sounds like decluttering to me - and decluttering that you get some entertainment from, too - winner! 

    I can also identify with the "new kitchen bin feeling" - we had a new one when we got the kitchen done - paid a little more for it than we might have ordinarily done (albeit not to the level of some of the so-called "designer" brand ones - designer bins, who knew?!) and absolutely love it - it still looks great now and will fit in perfectly in the new kitchen as well I think. 

    Great stuff with the walking. I'm with you on being quite happy to walk with something to listen to - have you caught up with the fact that there is a Martin Lewis Podcast? It's on BBC Sounds! 
    I shall take your advice on the decluttering :grin:    

    I couldn't believe how much some of the bins are!  This one seems to be nice enough.  It's funny how the small things make a difference.

    I didn't know there was a ML podcast, thank you, I'll have a look.
    "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
    I got a couple of small pretty pedal bins too. They do make a differece
    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
  • NeverendingDMP
    NeverendingDMP Posts: 2,349 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 14 August 2023 at 9:35PM
    jwil said:
    satchmo1 said:
    It could be worthwhile having a saving pot for school uniform/requirements, as they will sadly be an ongoing expense.

    Well done on the mile loop, especially with the gradients. After a few weeks, try increasing your speed for the uphill section, swinging your arms vigorously. 


    Thank you.  I've got one, just underestimated it so I need to work it out so it's more realistic next year.

    I've got my c25k app which I am not running, but is a good reminder to speed up in the running sections, but I shall add some arm swings, thank you :) 
    At a guess the clothes and shoes have jumped due to inflation but also will have jumped in price as you are in the next age bracket. Pants isn't it. Excuse the pun ! And well done for having some.money set aside in the first place . Hope the weather stays kind for your walks
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • jwil
    jwil Posts: 22,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I got a couple of small pretty pedal bins too. They do make a differece
    It's surprising isn't it.

    jwil said:
    satchmo1 said:
    It could be worthwhile having a saving pot for school uniform/requirements, as they will sadly be an ongoing expense.

    Well done on the mile loop, especially with the gradients. After a few weeks, try increasing your speed for the uphill section, swinging your arms vigorously. 


    Thank you.  I've got one, just underestimated it so I need to work it out so it's more realistic next year.

    I've got my c25k app which I am not running, but is a good reminder to speed up in the running sections, but I shall add some arm swings, thank you :) 
    At a guess the clothes and shoes have jumped due to inflation but also will have jumped in price as you are in the next age bracket. Pants isn't it. Excuse the pun ! And well done for having some.money set aside in the first place . Hope the weather stays kind for your walks
    I think it's more the quantity I got rather than anything else.  I bought more than I had planned, partly because of little jwil's residential, but also when thinking about making it last the whole year.  I also added non-school clothes and that wasn't planned at this stage.
    "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: 22,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £28 (:grin: survey cashout and cashback)

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £87
    "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: 22,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 15 August 2023 at 8:40AM
    Back to work tomorrow, but only for 2 days then I'm off until after the bank holiday!

    I've done my walk this morning again, so I'm pleased with that.

    The kids have decided they want to go swimming today, so that's our plan for the day.  I'm looking forward to a swim myself.  We are going to a different pool which is deeper than the one they are used to so that will be interesting.

    I sent £25 to PBs this morning as well.

    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
  • EssexHebridean
    EssexHebridean Posts: 24,714 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the walking - and swimming too. it all helps doesn't it! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • jwil
    jwil Posts: 22,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the walking - and swimming too. it all helps doesn't it! 
    Thank you :)  It does help, I feel like I've had a proper workout today!
    "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: 22,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We had a nice time swimming today and once again I was reminded how much I enjoy it.  There was an aqua aerobics class on after us, which prompted me to check whether I could book onto it again, unfortunately they are all fully booked and impossible to get onto.  I used to go before Covid and loved it.  I might have a look at the timetables again when the kids go back to school and see whether swimming is possible on a Friday.  I'm sure I looked before and the timings didn't work due to lessons and lane swimming but I'll have another look.  
    "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
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