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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,490 Forumite
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    Back to work today.  I wasn't particularly impressed by the colleague who called me at 8am on my first day back from leave to go through a load of (non-urgent) data.  I always try and give people a bit of time to get back into it, trawl through the endless emails and at least catch their breath before hounding them!  

    I hadn't been into PA while I was off as I keep forgetting to log in, so it was nice to see a load of approved surveys so I cashed out.  Another batch has been approved today so I can cash out again tomorrow.  

    New washing machine is coming this week.  I drained the old one and unplugged it all yesterday so I can get DH to help me drag out the old one into the garden in the morning.  Although the old one is being taken, there won't be the room to remove the old one and deliver the new one at the same time!

    I can't wait for payday so that I can hopefully make a start on replenishing the pots.  Hoping for a much less spendy September, though I do have DH's and another birthday.
    "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
    Sorry about the unexpected cost.

    It's irritating when people pounce as soon as you return. I think it is normal after the holidays to struggle to adjust - especially parents of young kids as while you've had time off you probably got very little 'you time'. I always said I went back to work for a rest. I hope things settle soon.

    Having an at home BP monitor is a good plan. The cuff needs to be large enough or it skews the results. People also often say to use the best of 3 tests as your official result. Believe it or not your BP on one arm can be routinely different to the other 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
  • jwil
    jwil Posts: 22,490 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the unexpected cost.

    It's irritating when people pounce as soon as you return. I think it is normal after the holidays to struggle to adjust - especially parents of young kids as while you've had time off you probably got very little 'you time'. I always said I went back to work for a rest. I hope things settle soon.

    Having an at home BP monitor is a good plan. The cuff needs to be large enough or it skews the results. People also often say to use the best of 3 tests as your official result. Believe it or not your BP on one arm can be routinely different to the other too.


    Thank you, it's very frustrating isn't it.

    Yes, when I was pregnant I got sent to hospital once for my BP as the person taking it refused to use a larger cuff and it was reading high.  As soon as I had it taken with the larger cuff, then it was absolutely fine!  I've been doing 3 readings with the library one, and taking the average, but that cuff is too small, so I won't trust the results until the one I ordered has arrived.  It does say on the instructions to always use the same arm as well.
    "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: 22,490 Forumite
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    Today's PAD - £10 (survey)

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £156
    "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: 22,490 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I could get used to these two day weeks!  I'm off after today again til Monday.

    I need to look at the restructure stuff today as the consultation ends at the end of the week (I thought it was early next week).  I think one of my meetings has been cancelled, so that will help.

    Cashed out again on PA and already past £7 on OP so all going well there.

    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: 24,717 Forumite
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    Always the same arm, and always sit with both feet flat on the floor as well - no crossed legs as that skews the result. 

    Great work on Prolific - I'm totally off that one this month, I'll be lucky to clear £12 to cash out! 
    🎉 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
  • badmemory
    badmemory Posts: 10,057 Forumite
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    I was really surprised a few weeks ago when having pre op testing that my blood pressure was up (that did not surprise me at all re pain/stress type things) but he had finished & said I could move, so I stood up as less painful & my blood pressure shot down.  I had always assumed standing would make it worse.
  • beanielou
    beanielou Posts: 96,734 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great pads 😊
    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.
  • EssexHebridean
    EssexHebridean Posts: 24,717 Forumite
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    edited 30 August 2023 at 2:37PM
    badmemory said:
    I was really surprised a few weeks ago when having pre op testing that my blood pressure was up (that did not surprise me at all re pain/stress type things) but he had finished & said I could move, so I stood up as less painful & my blood pressure shot down.  I had always assumed standing would make it worse.
    Nope - lying down will make it drop substantially though. I was in hospital a few years back, was woken the second morning I was there by a nurse coming to take obs, who said there was no need for me to sit up. Half asleep, I didn't really take much notice of what she was doing, and a few minutes later she left again. Approximately 30 seconds after that I was fully awakened by the door slamming back as a Doctor rushed in followed by several others - turns out that my BP was through the floor and had caused a complete panic. On asking what it was I was able to tell them that yep, that was always where it was when I was sleeping - I'd previously had ambulatory monitoring so was aware - and that it would return to normal if I sat up. Unsurprisingly (To me, although not to them!) it did, and the nurse got a very valuable object lesson on not doing BP on someone with a very slow resting HR without getting them upright first! 

    Found out subsequently that something broadly similar had happened to my Dad when he was in hospital some years before! Yes - that low resting HR is definitely genetic!
    🎉 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: 22,490 Forumite
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    Thanks everyone.   I thought standing affects it as well, as they say to sit down while doing it.  My readings from the library were standing and they are quite a bit higher than home, though it is a wrist monitor and I think those read higher as well.  I'll be enlightened when mine arrives :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
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