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...

1…143144146148149…374

Comments

  • savingholmes
    savingholmes Posts: 29,234
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Yes - I'm not sure I'd find that as beneficial. I could do a version of that if I wanted - but TBH too busy right now. I tend to take time back when it is slacker and let workload dictate my hours as it is a bit swings and roundabouts my job. Right now it's intense.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • jwil
    jwil Posts: 23,977
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Yes - I'm not sure I'd find that as beneficial. I could do a version of that if I wanted - but TBH too busy right now. I tend to take time back when it is slacker and let workload dictate my hours as it is a bit swings and roundabouts my job. Right now it's intense.
    I do similar, I do two very long days, and two days of more normal length.  When I'm really busy I can increase the hours on the normal days, and when I'm quieter, I may leave a bit earlier.  It can be very challenging, and I know a lot wouldn't like it, but it works for me and it makes the week go very quickly.
    "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: 23,977
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Today's PAD - £8

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £173
    September - £42
    "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
  • I'm currently off on Fridays so I'll join in as a Friday slacker. I spend the day doing shopping housework and washing though but eventually one day it will be a TV or book day surely 😂
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 Sept 26- just under 62k

    June 25 Debts in my name were £5170. Now 6122 (Oct 26)
    DH debts ?? at a guess £15k
  • badmemory
    badmemory Posts: 10,686
    Tenth Anniversary 10,000 Posts Name Dropper
    Forumite
    I'm currently off on Fridays so I'll join in as a Friday slacker. I spend the day doing shopping housework and washing though but eventually one day it will be a TV or book day surely 😂

    Housework like all other work expands to fill the time available to do it.
  • jwil
    jwil Posts: 23,977
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    I'm currently off on Fridays so I'll join in as a Friday slacker. I spend the day doing shopping housework and washing though but eventually one day it will be a TV or book day surely 😂
    I try and get as much done as I can on other days so it doesn't impact on my Fridays 😁

    badmemory said:
    I'm currently off on Fridays so I'll join in as a Friday slacker. I spend the day doing shopping housework and washing though but eventually one day it will be a TV or book day surely 😂

    Housework like all other work expands to fill the time available to do it.
    It certainly can do!
    "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: 23,977
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    I've enjoyed my day today, it was nice being alone again!

    I went into town this morning to the library, and also may have bought myself a few tops - so much for frugal September!  In my defence, they are to replace some which are quite worn now and looking a bit tatty.  I've gone down a size too, not because I think I've necessarily lost inches, but some of my tops were feeling a bit tent like.  Time to have another look through my clothes now, and have a good clear out.

    I did a bit of housework when I got home, and then sat with my book for a bit before going to get the kids.  Little miss has been swimming, and it was so hot and humid in the viewing gallery I felt quite sick.  Thank goodness for the aircon in the car.
    "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
  • Have a lovely weekend after your first week back at work. 
    Life is an adventure, never stop exploring.

  • jwil
    jwil Posts: 23,977
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Have a lovely weekend after your first week back at work. 
    Thank you :)  Hope you have a nice weekend 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: 23,977
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Today's PAD - £3

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £173
    September - £45
    "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
  • 355.7K Banking & Borrowing
  • 254.9K Reduce Debt & Boost Income
  • 456.1K Spending & Discounts
  • 248.3K Work, Benefits & Business
  • 605.9K Mortgages, Homes & Bills
  • 179K Life & Family
  • 263.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K 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.