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Small steps lead to big changes...

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  • Love that you got to the seaside in the fabulous weather we've had! 

    My target with the new house is that I can get the housework type stuff to a point where I can keep on top of it with an odd burst during each evening and thus not have to give too much of my Fridays over to it - at the moment I'm still at the stage where I'm working round it doing deep cleans of a bit at a time though, and the "new house novelty" is stopping it feeling like too much of a chore!  
    🎉 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: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    joedenise said:
    You're doing well with the PADs - those small amounts certainly add up.  It's a great idea keeping track of how much it is each month.

    Thank you :)  I'm always surprised at how much they add up to.  It keeps me focussed on doing surveys as well so I can bump up the total.
    "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
  • badmemory
    badmemory Posts: 10,058 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Martin's advice re MOTs is to use a garage that doesn't do repairs.  They will usually replace bulbs & wipers but they have no financial interest in charging you for repairs as such.  My advice is to never ever use a main dealer.  Their bonuses are dependent on how many sales/repairs they get in.
  • teapot2
    teapot2 Posts: 3,590 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hope you sleep well and feel better tomorrow.  Take care  
  • jwil
    jwil Posts: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    badmemory said:
    Martin's advice re MOTs is to use a garage that doesn't do repairs.  They will usually replace bulbs & wipers but they have no financial interest in charging you for repairs as such.  My advice is to never ever use a main dealer.  Their bonuses are dependent on how many sales/repairs they get in.
    Thanks, I thought about using a garage that doesn't do repairs, but was worried that if something needed fixing (I think my exhaust might) then it would be a hassle to get someone else quickly as everyone seems busy.  I've never used a main dealer, always independents.  The guy we normally use doesn't do MOTs himself, but is in the next town and has been often overbooked so sometimes I'm without a car for several days which can be annoying.  The garage I've contacted are a more local independent, and get rave reviews all the time so worth a try.

    teapot2 said:
    Hope you sleep well and feel better tomorrow.  Take care  
    Thank you, I slept much better last night, and feel like a new person 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: 22,497 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £7 (survey cashout)

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £173
    September - £58
    "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
  • Glad you're feeling better today - I think the hot weather is so energy sapping and that doesn't help if you're feeling even slightly off colour, does it!  And of course it affects sleep too - I've certainly felt far higher energy levels thanks to a couple of decent nights sleep since it's cooled off a bit! 
    🎉 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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are feeling better. I think if you pick the right garage whether or not they do repairs as well as mots is less of an issue. It can certainly be more convenient if you can go to one for both. I did last year and wasn't stung at all.
    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
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