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Small steps lead to big changes...

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Comments

  • ladyholly
    ladyholly Posts: 4,096 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Take it easy tomorrow and make the most of the children being at school and I dont mean by doing housework etc. I hope Mr jwil is ok.
  • beanielou
    beanielou Posts: 99,046 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope Mr j is ok.

    Be kind to yourself tomorrow  :)
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Sorry you still don't feel right. Take care
    Congrats to Little Miss  :)

    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • jwil
    jwil Posts: 23,333 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £7 (just because!)

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £173
    September - £70
    "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: 23,333 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ladyholly said:
    Take it easy tomorrow and make the most of the children being at school and I dont mean by doing housework etc. I hope Mr jwil is ok.
    Thank you :)  I plan on a lazy day today :) 

    beanielou said:
    Hope Mr j is ok.

    Be kind to yourself tomorrow  :)
    Thank you :)   

    Sorry you still don't feel right. Take care
    Congrats to Little Miss  :)

    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: 23,333 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    DH got told to await a call from his GP today, so hopefully he'll hear from them.  I think he should have taken the day off but he's gone in.  

    I had another bad night's sleep last night, fed up with it!  So today I think my chair and some books call.  I need to pop to the supermarket to get a couple of things I didn't manage to get in my delivery the other day but that won't take long.

    One of the items we posted the other day has been listed in the tracking as 'damaged beyond repair' so I need to find out what's happened there, and how to get the money back so I can refund the buyer!  I always pack well, so can only assume they've driven over it or something, it was in a big box!  Very frustrating.
    "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
  • ladyholly
    ladyholly Posts: 4,096 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    That is really annoying re your parcel. I hate disapponting a buyer but sometimes it cant be helped.
    I hope your dh got the phone call and he has an answer and treatment.
  • Chrystal
    Chrystal Posts: 2,030 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Hope everything is OK?  XX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • savingholmes
    savingholmes Posts: 29,140 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the parcel.

    Sounds worrying about DH. Definitely get it checked out. Better safe than sorry.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • beanielou
    beanielou Posts: 99,046 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you are ok xx
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
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