We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Small steps lead to big changes...

1132133135137138374

Comments

  • jwil
    jwil Posts: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've done some tidying and cleaning this morning, and sorted out the uniform.  I think I have overbought, but at least it will be usable next year if need be.  Both kids wear the same size so we can mix and match!

    I've done my review for my creditors and will post that later.  I've upped my payment a little as well, and asked for a settlement figure.  I'm just curious on that one.

    I've also gone through a box of stuff that was identified to go, thrown a few bits away which aren't worth selling, and the rest has been set aside for a car boot sale.

    The other ebayer has paid so DH can post those later.  I've reached cashout again on PA but can't withdraw again until tomorrow.  I'm very happy about that 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: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your PADs are coming along.

    Good luck with the settlement figure.
    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
  • jwil
    jwil Posts: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your PADs are coming along.

    Good luck with the settlement figure.
    Thank you :)  I'd love for them to give me a lovely low figure, but previous experience suggests around 10% discount.  It's not worth it for that.  With my increased payment, I'll be paid off in around 30 years :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
  • beanielou
    beanielou Posts: 96,742 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    jwil said:
    Your PADs are coming along.

    Good luck with the settlement figure.
    Thank you :)  I'd love for them to give me a lovely low figure, but previous experience suggests around 10% discount.  It's not worth it for that.  With my increased payment, I'll be paid off in around 30 years :D:D  
    Just like DS's student loans  :lol:
    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.
  • jwil
    jwil Posts: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    jwil said:
    Your PADs are coming along.

    Good luck with the settlement figure.
    Thank you :)  I'd love for them to give me a lovely low figure, but previous experience suggests around 10% discount.  It's not worth it for that.  With my increased payment, I'll be paid off in around 30 years :D:D  
    Just like DS's student loans  :lol:
    At least he got something good out of them :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: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 19 August 2023 at 7:33AM
    Today's PAD - £10

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £124
    "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: 10,406 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I love a good boot sale  :)
    Must feel good to have uniforms sorted.
    Have a good day
    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) 25/072025
  • jwil
    jwil Posts: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love a good boot sale  :)
    Must feel good to have uniforms sorted.
    Have a good day
    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: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £126
    "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: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We had a lovely day out yesterday, meeting friends for a scarecrow trail in the morning, and then we went to the beach in the afternoon.  The weather was lovely so we missed the storm that many people had.

    I came home to a letter from the NHS about little miss's asd assessment.  They say she has traits, but they don't know enough as to whether it warrants an assessment. They've asked for more details and say the form should be filled out with the school senco and returned within a month of the date on the letter.  Haven't they ever heard of summer holidays? 🙄  It means I need to try and see the senco in the first two days of term as well as complete and return the forms 😡  I just don't know what I'm missing.  I can't see that she's having big issues with anything, but if she does need support I want her to have it sooner rather than later.  I'm so confused about it all, and don't get any clarity with anything I read.

    I've been worrying about my cat as she's been out of sorts for a few days and didn't eat yesterday (she's 17 so I always get a bit edgy when she's not right).  She's just suddenly perked up though and galloped up the stairs to her food bowls, stuffed her face and galloped back down again.  She's been more active today generally as well, so obviously just having an off day.  It's a relief!

    I didn't sleep well last night worrying about the cat and little miss.  I'll drop an email to the school and hope that someone picks it up before the start of term to see if I can get an appointment with the senco.  The letter was cc'd to them so hopefully they will see it as well.  Hopefully I will sleep better tonight!


    "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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.