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Small steps lead to big changes...
Comments
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Enjoy the new TV, hopefully nothing drastic going on with the sink 🤞🏼2
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Thank youbeanielou said:Happy new TV
Hopefully it will last as long as the previous one!
Thank youladyholly said:Sorry about your TV but at least the shadow is no more. We have been putting off getting a new one for ages as it keeps turning itself off and then on again. It is nice to have a clear picture!
Thank you, it had done us well thankfully as at the time it was really expensive. We paid a lot less for this one!savingholmes said:Enjoy your TV guilt free. Sounds like it was well past time for replacement."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 -
Thank youteapot2 said:Enjoy the new TV, hopefully nothing drastic going on with the sink 🤞🏼 I'm hoping not, as we've got a leak somewhere in the bathroom too, I think it's a tap (though I keep changing my mind). Both need doing. We can probably stretch to the bathroom, but anything in the kitchen will need to be a repair for now. I just don't want to wipe out the EF yet, so hope to wait until I know about my job. "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 -
I had a bad anxiety attack last night which is a shame as the last few weeks had been much better. I'm feeling better today though thankfully. I feel drained though so a quiet day planned.
I think although it manifests often as health anxiety, it's probably largely related to finances, and so I do need to focus on building that savings fund. There's so much that needs doing here, I know we've got lots of big expenditure ahead, and the job worry doesn't help with that, as we can do it if I stay in my job, but it will be a huge challenge if I don't.
I'm sure it will all work out in the end!"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 -
Today's PAD - £15 (ebay sales)
Jan - £319
Feb - £80"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 -
Sorry that you had a bad anxiety attack my friend. Keep plodding xxI 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.3 -
Sorry to hear of your anxiety attack. Keep going and you will beat it.
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Sorry to hear about the anxiety attack, perhaps you’re feeling overwhelmed. Hope it eases off soon.A few pages back but fabulous photos 😍
You did very well indeed with the old TV lasting so long and now you have a new better one for a good price. Enjoy ☺️I get knocked down but I get up again (Chumbawamba, Tubthumping)2 -
Sorry you were feeling more anxious - hope that increasing your savings helps alleviate it.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 14/11/251
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