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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,025 Forumite
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    satchmo1 said:
    Toasted pumpkin seeds are yum. Just heat them in a non-stick frying pan until they start to pop, and they're done.
    Thank you, I'll try that!

    beanielou said:
    Well done to DH  :grin:
    Hurrah indeed!
    "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: 22,025 Forumite
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    Today's PAD - £2 

    Jan - £113
    "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: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well I've managed to knock over 2 hrs off my time today thanks to taking a 2 hr lunchbreak.  I'd taken an hour, and then I had a call to help a relative who had broken down in their car so retrieved them from the garage and returned them home.  That used up another hour.  I've got just under 5 more to lose now!

    There were loads of surveys available today and I missed out on them all as I was too busy.  I can't be bothered to see if they are there now, want to come away from the computer.

    Not much else to report.  Hope everyone is 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
  • Sun_Addict
    Sun_Addict Posts: 24,099 Forumite
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    How much flexi can you carry over, we can carry over 22 hours. I’m on 15 at the moment which is the amount I like to have in reserve just in case. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Humdinger1
    Humdinger1 Posts: 2,307 Forumite
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    How much flexi can you carry over, we can carry over 22 hours. I’m on 15 at the moment which is the amount I like to have in reserve just in case. 
    A different kind of emergency fund @Sun_Addict? Xx
  • savingholmes
    savingholmes Posts: 28,974 Forumite
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    Well done on the PADs and decluttering. Glad DH is getting with the programme.

    Sugar snap peas or carrot batons can be a nice healthy snack. Celery with cream cheese or just salt.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • dawnybabes
    dawnybabes Posts: 3,371 Forumite
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    Popcorn or frozen grapes here 😀
    Sealed pot challenge 822

    Jan - £176.66 :j
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
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    Another way to think about snacks is how satisfying they are for you - it might be as stereotypically healthy as you like, but if it's not what you really want, then you'll potentially end up eating the "healthy" thing and still ending up with the thing you really want as well. If I am craving something savoury then a small bag of crisps, a small piece of cheese, or a spoonful of peanut butter (how on earth can you never have tried pb? It's (probably) the best food in the world! :lol: ) often ticks the boxes for me. Hummus too - that's lush, but for me that's more of a meal component than a snack. If something sweet, then a couple of squares of high cocoa percentage dark chocolate - nibbled and allowed to melt slowly in the mouth - or some dried fruit often works. Learning to listen to what your body wants and working with it can be a game changer though - and a small amount of the thing you're craving can be more effective than all the "Low fat, low salt, slow sugar, low taste" snacks in the world! 

    Loving the idea of a flexi-time emergency fund! 

    Oh - and wow to your January PAD total so far - that's some going! 
    🎉 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
    £100k barrier broken 1/4/25
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  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How much flexi can you carry over, we can carry over 22 hours. I’m on 15 at the moment which is the amount I like to have in reserve just in case. 
    20 hours.  I'd managed to get to over 27.  It's nice to always keep a balance enough to have a couple of days off if necessary but I let this get out of hand without really noticing.  I build it up less since I've been doing compressed hours so had stopped really looking at it!

    Well done on the PADs and decluttering. Glad DH is getting with the programme.

    Sugar snap peas or carrot batons can be a nice healthy snack. Celery with cream cheese or just salt.

    Popcorn or frozen grapes here 😀

    Thank you both, good ideas!  Frozen grapes!  I've got a punnet that I haven't eaten, I'd forgotten about putting them in the freezer, I'll do that, thank you :)

    Another way to think about snacks is how satisfying they are for you - it might be as stereotypically healthy as you like, but if it's not what you really want, then you'll potentially end up eating the "healthy" thing and still ending up with the thing you really want as well. If I am craving something savoury then a small bag of crisps, a small piece of cheese, or a spoonful of peanut butter (how on earth can you never have tried pb? It's (probably) the best food in the world! :lol: ) often ticks the boxes for me. Hummus too - that's lush, but for me that's more of a meal component than a snack. If something sweet, then a couple of squares of high cocoa percentage dark chocolate - nibbled and allowed to melt slowly in the mouth - or some dried fruit often works. Learning to listen to what your body wants and working with it can be a game changer though - and a small amount of the thing you're craving can be more effective than all the "Low fat, low salt, slow sugar, low taste" snacks in the world! 

    Loving the idea of a flexi-time emergency fund! 

    Oh - and wow to your January PAD total so far - that's some going! 
    Thank you :)  That's good advice as ever.  You are right, I do tend to eat tonnes of the 'healthy' option and then go and binge on what I wanted anyway.  So I do try and go for what I'd like as a general rule.  I'm just slipping into the habit of grazing again, and for convenience, that tends to be lots of chocolate.  So for the sake of my blood sugars and my health I do need to resolve that!  Maybe my focus should be on increasing the size of my meals so I'm less inclined to snack.  It's getting back to that old nugget of planning and preparation again which is where I constantly fall down!

    Peanut butter - when I was young, I used to absolutely hate the smell of it when friends had it in their sandwiches so I've never been inclined to try it.  It's not something that was ever purchased in our house.

    The pads have been suitably bulked up with the survey withdrawal so that's nice :grin: 


    "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: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £5 (lottery win), yesterday £2, Tuesday £2

    Jan - £122
    "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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