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Small steps lead to big changes...

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Comments

  • doingitanyway
    doingitanyway Posts: 10,007 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    You really maximise your NT membership as a family. 
    January's PAD is enormous.
    Enjoy your day
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got to get out and about. Weather is gorgeous here 
    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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You really maximise your NT membership as a family. 
    January's PAD is enormous.
    Enjoy your day
    It's been good having the NT membership, it gives us excuses to go somewhere new as well.

    I had a payout for something in January, I can't remember what it was!  Oh, cashback for the boiler I think.  I might have to go back and have a look!

    Glad you got to get out and about. Weather is gorgeous here 
    It's been dry but grey here today.  The sun came out for short periods this afternoon.
    "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
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    I do like nutracheck. It’s easiest if you also have some digital kitchen scales for weighing things for accuracy. They don’t have to be big scales, you don’t get a lot for your calories (side eyes the cheese) 😢
    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

  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I do like nutracheck. It’s easiest if you also have some digital kitchen scales for weighing things for accuracy. They don’t have to be big scales, you don’t get a lot for your calories (side eyes the cheese) 😢
    I don't have digital scales so will just have to do my best.  At least it leaves room for improvement in the future!

    I use grated cheese to make it go further :grin:
    "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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £15
    "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
  • doingitanyway
    doingitanyway Posts: 10,007 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Great idea to drink a pint of water of waking. Glad it sorted your headache out.
    I agree, don't settle on new clothes...
    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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great idea to drink a pint of water of waking. Glad it sorted your headache out.
    I agree, don't settle on new clothes...
    Thank you :)  I used to do it, but got out of the habit.  I'm fed up with making do for clothes. I will find some at some point!  
    "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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £14

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £29
    "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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