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Small steps lead to big changes...

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Comments

  • ladyholly
    ladyholly Posts: 4,028 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad to hear dh is home and hope he is oon the road to recovery. Be kind to yourself, you have had a very strssful few days.
  • beanielou
    beanielou Posts: 96,742 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So pleased that your DH is home. 
    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.
  • dawnybabes
    dawnybabes Posts: 3,510 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Pleased your DH is home, make sure you look after you too in all this. 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So pleased for you all that your DH is home.

    Impressive totals too.
    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: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ladyholly said:
    Glad to hear dh is home and hope he is oon the road to recovery. Be kind to yourself, you have had a very strssful few days.
    Thank you :) 

    beanielou said:
    So pleased that your DH is home. 
    Thank you :)  

    Pleased your DH is home, make sure you look after you too in all this. 
    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: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £173
    September - £120
    October - £6
    "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: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's nice to get back to a bit of normality today.  I haven't gone into the office, but working from home instead so I can keep nagging DH not to do too much!  I have got a quiet day for meetings today so can get stuck in and catch up on things thankfully.

    I'm feeling a bit better today, had a good night's sleep last night and have been eating proper food again. Got back to walking the kids to school this morning, as my knee seems to be improving again thankfully.
    "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
  • beanielou
    beanielou Posts: 96,742 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take care of yourself too 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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got some exercise. Definitely be kind to yourself - it's a scary time - that later you'll wonder how you got through. You are doing really well. Take it as easy as you realistically can.

    Well done on the PADs and decluttering. 

    Hope DH continues to improve.
    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: 22,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Take care of yourself too xx
    Thank you :)  

    Glad you got some exercise. Definitely be kind to yourself - it's a scary time - that later you'll wonder how you got through. You are doing really well. Take it as easy as you realistically can.

    Well done on the PADs and decluttering. 

    Hope DH continues to improve.
    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
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