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Today's PAD - £3
Jan - £319
Feb - £135
Mar - £129
Apr - £82"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 -
Happy Thursday! Last day for me, hurrah.
I've been walking every day this week so that's good. I had a day for food yesterday where I just couldn't stop eating. It's been a while since that happened! Hopefully a one off.
I've got an appointment with the GP to have a spot/mole on my arm checked next week. I tried phoning because I knew I wanted to be seen, but was on hold for ages, and the queue didn't seem to be moving quickly. I decided I didn't want to waste time holding, so did a consult through the app instead and got an appointment texted to me within an hour, so that worked well.
I got a little bit of hope this week that I might have a role in the future. Nothing's fixed yet, but I'll grasp any bit of light at the end of that tunnel. A project I worked on is up for a national award too, so that's nice
Unfortunately I can't go as we're not allowed to spend any money, but other partners will be 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 McGee5 -
Ah well, as long as the partners are there to take the credit…😬
Fantastic news about the ray of hope, I do hope it comes about…and quickly! Waiting is so hard with these situations.Did you enjoy the day of food? It’s great when you have one of those and enjoy everything. Sometimes I’ll have one and nothing quite hits the spot!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/p14 -
Fingers crossed for you re your job situation 🤞🏼2
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Lovely news on the ray of hope.Also so fantastic that you are up for a national award. 🥰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.2 -
Sounds about right with the awards thing!
Well done on taking the right course of action to get the appointment - good to hear of something like that actually working! Our surgery sadly work as hard as possible to ensure that they don't use any means of making appointments that might mean they actually have to see folk face to face!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
To be fair to them, they did try to seek out some funding from their organisations to get an additional ticket, but were unsuccessful.WinterWarrior said:Ah well, as long as the partners are there to take the credit…😬
Fantastic news about the ray of hope, I do hope it comes about…and quickly! Waiting is so hard with these situations.Did you enjoy the day of food? It’s great when you have one of those and enjoy everything. Sometimes I’ll have one and nothing quite hits the spot!
I'd really love to know even a basic idea of what the new structure might look like, but that's still probably a couple of months away.
I don't think I did particularly enjoy the day of food, just seemed to be endlessly hungry! It was that thing that nothing was quite hitting the spot. A better day today, but not perfect.teapot2 said:Fingers crossed for you re your job situation 🤞🏼
Thank you, it would be nice just to know one way or the other.beanielou said:Lovely news on the ray of hope.Also so fantastic that you are up for a national award. 🥰
Thank you
EssexHebridean said:Sounds about right with the awards thing!
Well done on taking the right course of action to get the appointment - good to hear of something like that actually working! Our surgery sadly work as hard as possible to ensure that they don't use any means of making appointments that might mean they actually have to see folk face to face!
Thank you Yes, it's hard when working with organisations that do have money!
I think my GP practice is really good, we don't seem to have half as many issues as even some of the others in the town seem to. Most of the time I'm happy for a phone consult, but I've never had a problem being seen when it's needed.
"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 -
The end of the week is here at last. I've been very grumpy jwil today and putting my foot down and raising notice of a few things. Despite my grumpy intentions, I do always remain polite and try and frame things positively though. I did need to call my 'good cop' colleague to check I wasn't being unreasonable first though
I'm looking forward to a hopefully relaxing weekend with some sun!"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 -
Well done on getting short listed. Glad there's a ray of hope on your job too.
Enjoy your long weekend.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Thank yousavingholmes said:Well done on getting short listed. Glad there's a ray of hope on your job too.
Enjoy your long weekend. "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
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