Small steps lead to big changes...

jwil

Less_Talk_and_More_Action said:

Hi @jwil. 

Great the eating windows are working.  Always great when some something you try works out or shows promise.   It’s a good starting point for sure.  

L x 

Yes definitely. Its early days but I think I can make it a habit. 

jwil

Today's PAD - £3

Jan - £36

savingholmes

Well done on the PAD. 

On the pension - they are considering bringing the age of changing it to 69 forward as well - and feel they have a right to review these things up to 10 years before people take it which is ridiculous given you can early retire 10 years before and a change of the final date would change all your sums. It is things like this that put younger people off pensions. I am much more enthusiastic about pensions now I'm within touching distance of them.

jwil

Today's PAD - £2

Jan - £40

jwil

savingholmes said:

Well done on the PAD. 

On the pension - they are considering bringing the age of changing it to 69 forward as well - and feel they have a right to review these things up to 10 years before people take it which is ridiculous given you can early retire 10 years before and a change of the final date would change all your sums. It is things like this that put younger people off pensions. I am much more enthusiastic about pensions now I'm within touching distance of them.

Thank you.  I was aware that my pension date could change.  That is ridiculous though if they think 10 years is acceptable for making changes, it doesn't give a lot of time to prepare and adjust plans.  I know I will have to make my final decision closer to the time, and I expect it will involve part time working rather than full retirement, but I shall still make a good effort to go in 9 years!

Less_Talk_and_More_Action

Good PADs @jwil. I know you’ve mentioned previously but are they for overpayment of the mortgage or some other purpose.  It’s fantastic how the amount can build up.  

 L x 

jwil

Less_Talk_and_More_Action said:

Good PADs @jwil. I know you’ve mentioned previously but are they for overpayment of the mortgage or some other purpose.  It’s fantastic how the amount can build up.  

 L x 

Thank you   At the moment they are still going to the mortgage but soon I am going to switch them to savings instead.  I've been saying that for a while though   

jwil

Today's PAD - £2

Jan - £42

jwil

Another week done!  I've had a fairly quiet day today.    We had decided we were going to get little jwil a phone for his birthday as he's off to secondary school this year, so I ordered one yesterday, it arrived today and is being sent straight back.  It's an old model and a refurb, so I bought it early so we could test the battery and check it was working properly.  This came up with a battery warning, and was less than the promised 80% so I'm not keeping it.  There was a no quibble 21 day return window anyway, so I've asked for a replacement, and hopefully we'll get a better one.  I've spent some time today looking up how to set up appropriate parental controls so at least I'm ready for when it does arrive.

A water main broke nearby so the whole area has been without water for much of the day.  Ours wasn't out too long thankfully.

I was cleaning the bathroom (before I realised there was an issue) and discovered that the toilet is leaking.  I think it's just a seal so hopefully we can sort it.  I'd initially thought that it was DH or little jwil with poor aim, but the little puddle returned after I had wiped it this morning, and I was the only one home!  Although the bathroom needs doing, I want to wait a little longer to build up the savings a bit more.

I've continued with the walking and the eating windows, and have been eating well as well, with at least 5-10 portions of F&V each day.  I'm very pleased with my progress there, and starting to feel better for it as well.

beanielou

Wow, well done on the F & V