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Small steps lead to big changes...
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You really maximise your NT membership as a family.
January's PAD is enormous.
Enjoy your dayIf 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) 25/0720253 -
Glad you got to get out and about. Weather is gorgeous hereAchieve 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 29/7/252 -
doingitanyway said:You really maximise your NT membership as a family.
January's PAD is enormous.
Enjoy your day
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!savingholmes said:Glad you got to get out and about. Weather is gorgeous here"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've had a real urge to spend today, but have mostly avoided it!
I could do with a couple of summer tops as some of mine are quite worn now, but I can't find anything I like, and am determined not to settle again. I've got enough to manage with, and I have some black dye so can refresh the plain t-shirts.
I was looking at weighing scales, but people were commenting that they'd get different results every time they stood on them, so I'm not spending to get more of the same. I will continue to use mine as a general guide, but might try and get to the library ones periodically to use them.
I also looked at pillows, but since I have been making sure I drink a pint of water first thing, I haven't had a headache again, so it might have been dehydration. I will try and pop my pillow into the TD to refresh it, as that's always worked before.
I did however spend £27.99 on an annual subscription for Nutracheck. I know people use it on here, and I was reading the new Two Chubby Cubs cookbook yesterday, and they were using it as well. I had a look at the free version and had a play, and there's more in there than I would expected, so I thought I'd try it for a year as it's not a huge cost compared to re-joining SW or similar. I'm fed up with not losing weight, so it will either tell me what I'm doing wrong, or it will give me evidence that I can take to the GP. I've just got to try and be consistent with recording. It's always easy when I'm off work, but everything goes out the window when I'm busy. I like the fact that I can make up my own 'meals' for things I make regularly so don't have to list every ingredient all the time.
I've also sorted some cupboards in the kitchen today, and did some baking to use up some ingredients. I've thrown some bits away which are out of date and I just won't use. Unfortunately I broke my mixing bowl, but that's another thing I didn't spend onJust used a pyrex dish instead.
"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 McGee6 -
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/p13 -
WinterWarrior said: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 use grated cheese to make it go further"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 -
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 McGee3 -
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) 25/0720252 -
doingitanyway said:Great idea to drink a pint of water of waking. Glad it sorted your headache out.
I agree, don't settle on new clothes...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 McGee2 -
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 McGee1
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