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Small steps lead to big changes...
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Today's PAD - £5 (lottery win)
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £92
"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 -
Back to work today, but only today and tomorrow. I've done my walk this morning so all good there.
More moneyspending as I needed to get little miss's brownie uniform so she can do her promise next term. Also some new period pants for me. Trying a new brand this time as although I like my current ones, the gusset doesn't seem to last very long relatively speaking
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 McGee4 -
Your pads are fantastic.Have you tried Vinted for a brownie uniform.I hated spending money on things like that that were worn for such a short time.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.2 -
The local Brownie pack may also be able to help with sourcing pre-loved uniforms perhaps?🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Well done on the swimming. Sometimes with booking of sessions its about learning when exactly the window opens for booking - 8 days before in my case.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 10/10/251 -
Well done with PADs
The acqua fit class at my pool is always fully booked too.
Good to see you are walking and swimming
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Today's PAD - £2
Jan - £141
Feb - £139
March - £89
April £149
May - £79
June - £270
July - £253
August - £94
"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 McGee2 -
I didn't think about it to be honest!beanielou said:Your pads are fantastic.Have you tried Vinted for a brownie uniform.I hated spending money on things like that that were worn for such a short time.
I've ordered it now. I don't mind buying new once, and I'll probably sell it on or donate it once we've used it. If we need any replacements I'll definitely go pre-loved.EssexHebridean said:The local Brownie pack may also be able to help with sourcing pre-loved uniforms perhaps?
People book as soon as they leave the previous session, so it's always full immediately with a waitlist. It was ok when I managed to get in before as I could do the same, it's just hoping that a space becomes available that I'm lucky enough to grab.savingholmes said:Well done on the swimming. Sometimes with booking of sessions its about learning when exactly the window opens for booking - 8 days before in my case.
Thank youdoingitanyway said:Well done with PADs
The acqua fit class at my pool is always fully booked too.
Good to see you are walking and swimming . There's obviously a demand. When I was late teens, I used to do deep water aqua aerobics, that was great as you couldn't touch the floor the whole time. They don't do that one any more. "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 McGee1 -
Last day at work today
I've got loads to do though. I was very good yesterday and said 'no' to several people who wanted stuff from me. I have other deadlines I need to meet instead. It did feel a bit like being pulled in several directions though. I also had an issue with little miss which resulted in a trip to the pharmacy for advice and then the GP for some antibiotics. I'm very fortunate in that I can have the flexibility to deal with these things, but it meant a late finish last night to make up the hours.
I have done my walk this morning so I'm pleased about that."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 -
Well done on respecting your own boundaries and being firm about them - sometimes saying no is the only viable option!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2
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