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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,002 Forumite
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    beanielou said:
    jwil said:
    I ordered the shampoo bar, body butter bar and face wash bar from the weekly email, so it will be good to try those when they arrive.  I've never tried any of the bars before, but have been meaning to for ages.  Just paying the postage makes it a good deal!
    At least if you don't like them not too much lost.

    I have had a mars bar!
    That's what I thought.  They are not too cheap normally, so it's a fair amount of money if you don't like it.

    Hope you enjoyed the mars bar!
    "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: 22,002 Forumite
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    The kids are doing a before school club until half term, so I get an extra hour today!  They both have school discos later (at separate times) so will be running back and forth a bit.


    "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: 22,002 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £104
    "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: 6,103 Forumite
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    Ah, I used to love a middle school disco…dancing to Come On Eileen around our handbags whilst the boys just ran around being ridiculous! Boys, honestly! 😅🤣 I hope they both have a great time. 
    Not all who wander are lost - J.R.R.Tolkien
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    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • beanielou
    beanielou Posts: 95,665 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I diden’t really enjoy the mars bar. 😆
    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.
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    One debt remaining. Home improvement loan.
  • Crazycatlady2
    Crazycatlady2 Posts: 1,074 Forumite
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    I've had a chocolate bar but interested in the other bars so going to look for it 😁
  • jwil
    jwil Posts: 22,002 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ah, I used to love a middle school disco…dancing to Come On Eileen around our handbags whilst the boys just ran around being ridiculous! Boys, honestly! 😅🤣 I hope they both have a great time. 
    I don't think much has changed, maybe the music... :D  

    beanielou said:
    I diden’t really enjoy the mars bar. 😆
    Always disappointing when that happens.  Mars bars used to be great when they had thick chocolate!

    I've had a chocolate bar but interested in the other bars so going to look for it 😁
    I'm on Wispa Golds at the moment :D 
    "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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
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    Well done on the PADs. 

    Hope the kids enjoy the discos. So irritating when they are at different times...
    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
  • doingitanyway
    doingitanyway Posts: 10,007 Forumite
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    Great PADs as usual.

    School discos are remembered forever.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 22,002 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PADs. 

    Hope the kids enjoy the discos. So irritating when they are at different times...
    Thank you.  It is frustrating with them at different times.  It was much easier when I could just sit down there with a book for an hour!

    Great PADs as usual.

    School discos are remembered forever.
    Thank you :)  Yes, it's little jwil's last one.
    "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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