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Small steps lead to big changes...

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are feeling better. Not surprised your energy is struggling to recover though. 

    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 29/7/25
  • jwil
    jwil Posts: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are feeling better. Not surprised your energy is struggling to recover though. 

    Well done on the PADs.
    Thank you :)  Yes, I've been struggling again today.
    "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: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Made a start on the painting, the room looks much better already, but I am disappointed that I didn't get a coat over the whole room.

    I'd forgotten I still had to wash down the walls and paintwork so that took more time.  It was very dusty though so I'm glad I did it.

    We went and got the kids to choose the colour paint that they want, so at least that's done when I am ready to do it.  I've measured up the window so will look for some curtains/net as well.

    I'm struggling with my mental health at the moment.  I've got no enthusiasm for doing anything, and then when I do try and do stuff it just hurts, mostly, but not only my knee.  It's really getting me down now.  I know part of the answer has got to be my weight, probably a massive part, but I just can't find the motivation to deal with that either.  It's just yet another thing on my mental load which I am struggling with.  Everything is such an effort at the moment.
    "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
  • Painting hurts! Us desk job people don’t have the muscles for holding our arms up for long periods of time. When our room needed a third coat I nearly cried 😢 It’s time I decorated again, but I’m putting it off. 
    I always struggle with enthusiasm too, so I’ve no real fixes, but I understand. 
    What colours did the kids choose? It sounds like you got a lot accomplished today x 
    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

  • beanielou
    beanielou Posts: 95,684 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I blame the time of year.
    Be proud of what you have achieved. 
    Hopefully we will all feel more like ourselves soon.
    Take care of you xxx
    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think you achieved a lot and you are probably being too hard on yourself. Painting is hard work.
    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 29/7/25
  • Humdinger1
    Humdinger1 Posts: 2,309 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I think you achieved a lot and you are probably being too hard on yourself. Painting is hard work.
    Indeed it is! A disco medley helps for the first few hours I find.  Large pats on back @WinterWarrior love Humdinger xx 
  • jwil
    jwil Posts: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Painting hurts! Us desk job people don’t have the muscles for holding our arms up for long periods of time. When our room needed a third coat I nearly cried 😢 It’s time I decorated again, but I’m putting it off. 
    I always struggle with enthusiasm too, so I’ve no real fixes, but I understand. 
    What colours did the kids choose? It sounds like you got a lot accomplished today x 
    That's very true, I have no upper body strength at all!

    Blue for little jwil, and dark pink for little miss.  It will be nice for their rooms to have a bit of personality.

    beanielou said:
    I blame the time of year.
    Be proud of what you have achieved. 
    Hopefully we will all feel more like ourselves soon.
    Take care of you xxx
    Thank you.  I think it is partly the time of year.  So grey and miserable.  It has been gloriously sunny today, not that I've seen much of it, but it was nice when it was shining on me.

    I think you achieved a lot and you are probably being too hard on yourself. Painting is hard work.
    Thank you.  I am always over ambitious as to what is realistically achievable.

    I think you achieved a lot and you are probably being too hard on yourself. Painting is hard work.
    Indeed it is! A disco medley helps for the first few hours I find.  Large pats on back @WinterWarrior love Humdinger xx 
    I was listening to a quite dry audiobook.  I should definitely put on some music next time.
    "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: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you everyone for your support, I really appreciate it.

    Plumber (finally) came this morning, so it's all sorted now thankfully.  I have no idea about the cost, as I didn't get a quote.  Hopefully it won't be too painful.  It's one niggling worry sorted now though.

    Little jwil was sick last night, so I have him home for today and tomorrow.  Not sure why, he seems fine today, but there was a big pile of bedding to wash, so I was getting more and more stressed the later the plumber was, wondering if they were coming at all.

    I've got an awful week at work this week, just constant meetings.  I hate it, no time to do actual work.  Tomorrow there's no breather at all, apart from 30 minutes at lunchtime and that's only if the meeting before doesn't overrun.  Little miss is doing a dance performance so I'm going to that and will pick her up as well.  I normally have my long day on a Tuesday so will have to log back on afterwards to try and catch up.

    I received £5 in my bank account today from swapping out a paper note.  I sent that to the mortgage.

    I've been unsubscribing from newsletters and email subscriptions to try and get some time back.  I'm doing it at work as well - whilst it's important that I know what's going on in the industry and wider, I am considering what value I get from each one, and whether it's worth the time spent looking at it.  Every few seconds counts and fewer emails are always good.

    DH sold a few items yesterday so that's good too :) 
    "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: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £5


    Jan - £141
    Feb - £45
    "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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