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Small steps lead to big changes...
Comments
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teapot2 said:Hope your day goes well and you get to the NT place. Fingers crossed for coughing to be gone soon 🤞🏼🤞🏼
Thank you bothbeanielou said:Hope your day goes well 🤩
We didn't go to NT in the end, as I wasn't feeling great by the end of the event. We went for a bit of a drive instead and drove through Cheddar Gorge on the way back, which I love 😍
Event went well, and it was nice to see people I rarely see in person. We stopped at the garden centre on the way home and bought the screening, just need to get DH to try and fit it 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 McGee4 -
Sorry to hear you are all poorly, I hope you get better soon. I used to love going to cheddar gorge , the last time I went was the day Princess Dianna was killed and there was a massive thunderstorm and our car was floodedOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8944
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Hope you all recover quickly.
Well done on the PADs, off to a great start especially with PBs on top.
Well done on the continued declutter.
On diaries we all reveal our patterns however I can still see progress over time. It also helps me not beat myself up as much over blips.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 14/11/252 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £60
"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 you. That must have been a day to remember! I'd been out the night before, and drunk myself sick, I think I had alcohol poisoning. I was up all night being ill, so I watched it all unfold on the TV. It was the first and last night I ever got that bad drinking!Onebrokelady said:Sorry to hear you are all poorly, I hope you get better soon. I used to love going to cheddar gorge , the last time I went was the day Princess Dianna was killed and there was a massive thunderstorm and our car was flooded
Thank yousavingholmes said:Hope you all recover quickly.
Well done on the PADs, off to a great start especially with PBs on top.
Well done on the continued declutter.
On diaries we all reveal our patterns however I can still see progress over time. It also helps me not beat myself up as much over blips.
There's definitely progress in some areas and not in others! "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 McGee1 -
I had an awful night last night, coughing all night, and very little sleep. I've got a splitting headache this morning.
So fed up with this all now.
Hope everyone has a good day ."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 -
Oh no jwil. I hope you feel better very soon. I am sure the bugs are getting worse. Mr LH is still suffering with his ears from the one we had just after New Year.
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Sorry to hear you are still suffering. Fingers crossed for a speedy recovery ✨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/p12 -
Thank you. I think they are, they seem to be much more intense and long lasting.ladyholly said:Oh no jwil. I hope you feel better very soon. I am sure the bugs are getting worse. Mr LH is still suffering with his ears from the one we had just after New Year.
Thank youWinterWarrior said:Sorry to hear you are still suffering. Fingers crossed for a speedy recovery ✨
"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 McGee1 -
I took some painkillers this morning, and that has dealt with the headache thankfully, so at least I can function now.
Visited my folks briefly, but not too long so as not to share unwanted gifts.
DH has put up the screening, so that has made my day and I don't feel exposed when I'm sat out the back any more. I'll also feel more inclined to go out in the garden again. We will get new fencing along our side of the border at some point, but this will do for now.
We've got a busy couple of weekends ahead of us, so I'm on the countdown to easter. I've got a week off there, and I'm hoping to do nothing, just have a week or so resting, and doing stuff around the house.
I've been offered a role as a poll clerk for the PCC elections and then the general election when it happens. It's for a nearby village so not far to travel. Assuming my boss allows, that will be a nice little extra bit of cash
"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
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