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Sorry your knee is so painful.
Well done on the decluttering. Great DH is getting on board. Lovely to have your new pendant lamp sorted. Good luck with the selling. Well done on the PADs.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 29/7/252 -
I was overweight when my knee started hurting but x-rays showed bony spurs due to arthritis. My dad who wasn't overweight had the same thing and so does my sister. You may need to lose weight in the future if it gets bad enough to need a replacement operation (I did, my sister didn't) but you need to find out what you're dealing with first. Mine started hurting as we went into lockdown so I thought resting it was a good idea in case it was ligament damage. Wrong.
You could also ask the doctor for a physio referral so that you can be given exercises to strengthen your leg muscles so that they will support your knee more.4 -
Glad that you have done the consult form.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.4 -
savingholmes said:Sorry your knee is so painful.
Well done on the decluttering. Great DH is getting on board. Lovely to have your new pendant lamp sorted. Good luck with the selling. Well done on the PADs.CRANKY40 said:I was overweight when my knee started hurting but x-rays showed bony spurs due to arthritis. My dad who wasn't overweight had the same thing and so does my sister. You may need to lose weight in the future if it gets bad enough to need a replacement operation (I did, my sister didn't) but you need to find out what you're dealing with first. Mines started hurting as we went into lockdown so I thought resting it was a good idea in case it was ligament damage. Wrong.
You could also ask the doctor for a physio referral so that you can be given exercises to strengthen your leg muscles so that they will support your knee more.beanielou said:Glad that you have done the consult form."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 McGee2 -
Happy payday! I need to do the financials and all of my totalising for the month.
DH has finally removed the remainder of the stuff from the small room, so I'm going to go and get some paint. This will just be plain paint to do the ceiling, base coat and woodwork, and I'll let the kids choose their colours later. Hopefully I'll be able to do the filling and prep today as well. My knee is painful so I'll see how it goes.
"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 McGee3 -
End of month update:
Debts:
1. £3500/ £3493
2. £4562/ £4554
Total: £8031Mortgage - £96,177.49/ £95,410.66
Savings:
LISA: £1,272.70 / £1,300
Premium bonds £1,025 / £1,050
Emergency fund: £3.36 / £90
Other: £0 / £50"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 McGee3 -
Declutter update:
1 - 12. eBay sales
13. Xmas lights
14 - 19. Comics
20. Artwork
21. Toy pieces
22. Disposable camera
23 - 30. Camera films
31. Carpet cleaning fluid
32. Carpet cleaner
33 - 34. Desks
35 - 36. Chairs
37. NT handbook
38. Phone cable
39 - 46. Bolts
47. T-shirt
48. Name tags
49. Extension plug
50. Small wooden box
51. Trainers
52 - 53. Swimming costumes
54. Expanding file
55 - 57. Envelopes
58. Lego windows
59. Lego bricks
60 - 62. Toy cars
63 - 67. Hoover accessories
68 - 70. Pens
71. Smarties mug
72. Scraper
73 - 74. Lego lots
75 - 79. Toy train pieces
80 - 82. Dressing up costumes
83. Skirt
84. Ironing board cover
85 - 104. Clothing
105. Light fitting
106. Carpet underlay
107 - 108. Lightbulbs
109. Cushion
110. Pet bed
111 - 114. Pens
115. Plastic tub
116. Extension lead
117. Disco bulb
118. Chair
119. Action figure
120. Jack in the box
121. Switch game
122 - 131. Clothing
132. Fuse wire
Declutter totals:
Magazines/papers: 9
Other: 132Total: 141
Ebay listings: 45
Ebay parcels: 22Survey/other earnings:
Amazon: £5
Paypal/cash: £59.65
Other vouchers:£0"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 McGee2 -
Well that's a pretty good start to the year with the financials and the declutter list!
My final default has dropped off my credit file, so my record is now clear! (not that it matters, but still...)
I did have a F&F offer from my largest creditor but it was only around £900 off so I don't have sufficient funds to do that.
I've got an appointment with a muscle-skeletal specialist next week for my knee so that's good.
Today I have done most of the prep for the small room - filling and sanding. I did manage to set the smoke alarms off with the dust! I was wearing goggles and a face mask and did open all the windows. Just need to wash down everything then I can paint. I did get the paint this morning.
Back to work tomorrow. Joy!"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 McGee4 -
The numbers are looking really good jwil ⭐️ …and all that decluttering! Amazing work.Congratulations on your clear record….never needed, but lovely to have!Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p13 -
Doing so wellAchieve 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 29/7/252
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