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Small steps lead to big changes...

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  • doingitanyway
    doingitanyway Posts: 10,008 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    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) 25/072025
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    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/p1

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 🙄
    Totally agree. Plus whatever the last consultant's suggested the new ones suggest doing the opposite and so the cycle goes.
    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: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 that :D:D But 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 :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
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
  • beanielou
    beanielou Posts: 95,676 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Happy Friday 🌼
    Thank you, you too :)
    "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: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 :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
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