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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    WinterWarrior said:
    Enjoy your time off ✨
    savingholmes said:
    Glad you've had a more positive day. Enjoy your break.
    Thank you both :)
    "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: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Thursday!

    I've been catching up on a bit of admin, and packed and posted 2 parcels today.  We've also had a flurry of bids on the kids stuff so that's good and hopefully some more will be going soon.

    I've also done the first sift of little miss's clothing, removing anything obviously too small, damaged or stained.  I'll sit and go through the rest with her to see if there's anything she doesn't like and wants to get rid of.  Then I'll do the same with little jwil's clothes.

    DH has taken the kids into town for an hour or so so I have a bit of time to myself.  We were going to go swimming today but it was fully booked for today and tomorrow, so I've booked us in for Sunday instead.  Little miss has her lesson tonight anyway.

    I had to send several items back out of my shopping today due to either damage, weird substitutions or incredibly short dates!  A bit frustrating really.  I'm not one for following dates to the letter but it was fresh chicken and would be several days out of date by the time I wanted to use it so that was a risk too far for me.
    "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: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £65
    "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: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh !!!!!!.  I've just broken our tv trying to plug a new fire stick into it.  It's come off the stand.  It looks like it's snapped so I don't think it can be fixed, but it's too heavy for me to lift on my own and see.  I've had to put a cushion under the screen until DH comes home.  It's almost 20 years old, so hasn't done bad, but it's an expense I'd rather not have right now!
    "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
  • WinterWarrior
    WinterWarrior Posts: 6,113 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Oh no! Fingers crossed it’s fixable.
    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/p1

  • Onebrokelady
    Onebrokelady Posts: 7,950 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Oh no I hope it's fixable 🤞🤞
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you both :)  Unfortunately it's not fixable.  It had completely sheared off!  We found one person selling the stand online, but it was collection only and the other side of the country, so we couldn't get that.  The picture on the tv has had a shadow around the edges for years too, so we decided to suck it up and get a new one.

    So £355 later (including a new extension lead), we have a new smart tv, ironically negating the need for the fire stick which caused me to break the previous one!  I've spent the afternoon setting it up, and it's quite nice actually.  Much lighter than the previous one.   DH thinks I've taken the decluttering too far but I reminded him that it's not really decluttering if you are replacing it! (though I'll probably add it to the list anyway) :D

    We took the old tv to the tip on the way to collect the new one.  I've put it on my cc as there is still 17 months of 0% purchases left.  It means I don't have to dip into the savings yet.  Which might be a good thing as when I went under the sink to get a duster, everything was wet!  So we need to see what's happened there. 
    "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: 97,040 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy new TV  :)
    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: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your TV guilt free. Sounds like it was well past time for replacement.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
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