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Small steps lead to big changes...

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  • jwil
    jwil Posts: 23,136 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £7

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £173
    September - £120
    October - £151
    November - £53
    "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: 23,136 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Argh yes, isn't it annoying when you try to point out potential consequences and people just brush your comments aside, only to find out later that you were right! I always think it's funny how many of those who were happy to be outspoken in shouting you down go remarkably quiet when the brown stinky stuff hits the rotating cooling device, too! Well done on biting your tongue against told you so's, but I do hope you are wearing a suitably long-suffering expression! 

    The November PADS are looking decent enough for this early in the month! 
    Thank you :)  I sent an email yesterday with a number of recommendations for changes, so it's all explicitly in writing now, so hopefully they'll take it into account!

    I'm very pleased with the PAD level for this month.  I've been splitting it between savings and mortgage.

    So frustrating when you don't feel listened to. Hope things improve at work and you keep your job. Good about the pay rise and back pay.
    Thank you.  It's all very frustrating and unsettling.  I'm hopeful that I'll survive this round.  There's increasing possibility that they will start offering VR soon.  If I can get a quote without placing a target on myself I will do so that I can plan for the future should it come up again.  However, I won't be taking it now.  My plan if I can is to cling on for a few years yet.
    "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: 23,136 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've got a headache this morning but that's because I'm not sleeping well.  I've been productive though.  I got up early and have put our bedding in the wash, and replaced the sheet with a new one as the current one has worn through in several places. 

    I've also tidied up the remaining toys that need to be sorted, following last week's activities.  A small win is that they all fit in the cube units now and it's not crammed!  Nothing on the floor, and we still need to go through the remaining boxes so there's still more to go.

    I dropped a bag of kids books and a bag of toys to school the other day for the Christmas fayre, so that's got it out of the house without any real hassle.  I also put a bag of bits in the bin, as they were no good for reuse.

    If I get a chance I'll take a longer lunchbreak so I can hoover through and clean the bathroom ahead of tomorrow.  It would be nice not to have to do it tomorrow.  I've got the survey for the cavity wall insulation tomorrow, so I'm hoping they don't need to come into the house much.

    I stepped on the scales this morning for the first time in a while and it looks like I'm between 7-10lb down on previously.  I think that probably happened with all the stress with DH, but at least it seems to be staying off, particularly as I've not been eating particularly well.  I have been eating better this week mostly, so things are improving.

    I'm hoping to finish early today, at 4 when I collect little miss.  I've got plenty of time on the clock and did very long days yesterday and Tuesday to try and catch up with stuff at work.  I'd better get on with things so I can finish with a relatively clear to do list!
    "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
    edited 9 November 2023 at 5:06PM
    Well done on the weight loss.
  • Sending you a big hug. I hope the anxiety is starting to settle too. 

    From your diary you appear so calm & organised - I want to be like you! 

    😘
  • jwil
    jwil Posts: 23,136 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ladyholly said:
    Well done on the weight loss.
    Thank you :) 

    Sending you a big hug. I hope the anxiety is starting to settle too. 

    From your diary you appear so calm & organised - I want to be like you! 

    😘
    Thank you, that's a lovely thing to say.  I must be like a swan, calm on the surface and paddling furiously underneath! 😖
    "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: 23,136 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well I didn't manage to finish at 4, and I didn't manage to take the longer lunchbreak as a meeting overran and then I had another immediately after lunch so I haven't done anything I planned.  I have now finished though, and am going to try and relax this evening, as I have an almighty anxiety knot in my stomach which hurts, and makes me feel rough.  Hopefully we can chill a bit this weekend as well.

    My new AVC application has been approved, so hopefully the new amount will start being taken this month.  All good for the future.

    We've got the cavity wall survey tomorrow, so at least that will give me the kick up the rear to tidy before they come.  It's just occurred to me to google the company coming, and they have very good reviews so that's good.
    "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: 98,300 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope survey goes as you want. 
    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.
    One debt remaining. Home improvement loan. 21 months left.
  • jwil
    jwil Posts: 23,136 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Hope survey goes as you want. 
    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: 23,136 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £10

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £270
    July - £253
    August - £173
    September - £120
    October - £151
    November - £63
    "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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