We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Small steps lead to big changes...
Comments
-
Good luck with the meeting. I've been through similar. I hope it goes as well as it can.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 -
Good luck with the meeting.
Well done on the PADs and surveys.
Fantastic news on your weight loss over time.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 29/7/251 -
Good luck with the meeting. The trouble with big organisations is every time there’s a new top dog they come in with a great money saving idea, which turns out to be a cull of the most knowledgeable staff and if you escape it you are floundering around because an expert you needed has gone 😖 A few years later they step away with a nice payout, in comes someone else and around we go again 🙄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:Good luck with the meeting. The trouble with big organisations is every time there’s a new top dog they come in with a great money saving idea, which turns out to be a cull of the most knowledgeable staff and if you escape it you are floundering around because an expert you needed has gone 😖 A few years later they step away with a nice payout, in comes someone else and around we go again 🙄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 29/7/252 -
Thank you everyone
Still none the wiser really. Not likely to hear much for a few months. At least I've got a job for now.
I was amused this morning as my inbox was on fire about an announcement. It was down to me to explain what was actually happening to the senior managers. Hopefully it's a little reminder for them that I am the team encyclopaedia and they could lose all thatBut then of course, that assumes that they all have jobs!
I'm so glad it's now my weekend. I'm hoping the sun will last and I can chill. The patio desperately needs weeding. I found a dead mouse out there this morning. I'm now wondering if the dog is a secret hunter. She doesn't come across as that competent"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 -
Today's PAD - £17
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £61
"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 -
Last of my big pads today, it's been nice while it lasted! I must keep checking surveys.
It's a beautiful day out there today, the kids are in school early, and I don't have to pick little miss up until 4.30.Today is all mine!
I did my blood pressure this morning, and it's come down a little bit again. It's lovely to see progress. I've given up my lunchtime can of fizzy pop, so only drink water now most of the time unless I'm out and about. It's been a few weeks now and I've not really missed it so that's another small change completed. I've upped my water as well, so spend a lot of time going up and down stairs to the loo - it means I get up more often when I'm working, and good exercise too
When I think back to how much pain I was in walking even just a year or so ago, I've come a long way. My knee still twinges often, but it is so much better than it was. I'm a long way from being fit, but I've made lots of progress and am really pleased.
"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 McGee8 -
Happy Friday 🌼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 -
I've had a busy morning, flitting between the garden, my chair with a book, and little miss's bedroom. Little miss's bedroom is a bomb site, but I'm making good progress. I've pulled out all the clothes from the floor and various places they have been shoved, and putting it all through the wash as I can't tell what's been worn and what just hasn't been put away. At least it's a dry day! I've also washed the sofa blankets as well.
With the clothing removed, it's easier to tidy the toys etc, so I've been putting them away. I think there's a lot that can go but I won't do that without her help. Same with clothes, she still seems to have far too much, hence the mess, so I think we should be able to thin those down.
In the garden I've continued with my wildflower tyre planter. DH has filled one with stuff 🙄 so I've been working on the other one. I've now emptied the soil from some old planters into it, and have managed to fill it. I've found my wildflower seeds so I will sow some of them as well. I've cleared a bit of the patio so it's looking better. The cracks in the slabs are full of grass, dandelions, and self seeded forget me nots and poppies, which I'm reluctant to pull up until they've finished flowering. We've got yellow and orange poppies all round the back garden, and the side of the house, but for some reason they never reach the front garden which is a shame. There are wild flowers popping up all over the paths which have obviously seeded from last year, I have no idea what they are. It's a sign of how neglected our garden is"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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards