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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £65
    "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: 10,008 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    I'm with you on cold callers. 
    There are vulnerable people so I don't think cold calling should be a thing anymore
    Glad you got out in the garden
    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
  • Sun_Addict
    Sun_Addict Posts: 24,095 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I was also gutted to miss the Northern Lights. I was asleep 😞 Saw lots of lovely pics on my FB feed too. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway said:
    I'm with you on cold callers. 
    There are vulnerable people so I don't think cold calling should be a thing anymore
    Glad you got out in the garden
    I agree.  My late MIL used to sign up to all sorts.  I saw some more in the area this morning when I was on the school run, so quickly put the replacement sign up as soon as I got home!

    Sun_Addict said:
    I was also gutted to miss the Northern Lights. I was asleep 😞 Saw lots of lovely pics on my FB feed too. 
    I was so disappointed.  I didn't think they'd be visible in the town with all the light pollution so didn't bother staying up.   I have seen them before in Iceland though, so haven't completely missed out.
    "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 - £2

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £67
    "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 got a hectic week ahead of me with lots of peopling, and I've also got to work Saturday, so I'm quite stressed.  I haven't stopped eating for the last two days so I'll have probably wiped out any progress.

    Little jwil has his sats this week, and was mostly looking forward to the second breakfast :D  They've got a trip on Friday once they are over, so he's looking forward to that as well.
    "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
    Peopling is hard and working Saturday should be illegal! 
    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
    Hope that little Jwil's SATS go okay. 

    Well done on the PADs. Glad your job is okay for now.
    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
  • ladyholly
    ladyholly Posts: 3,948 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Good luck to little jwil with his SATs. If he gets stressed try to tell him its not him thats being tested its his teachers to make sure thay are teaching properly.
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    WinterWarrior said:
    Peopling is hard and working Saturday should be illegal! 
    Agree with both of these things!

    savingholmes said:
    Hope that little Jwil's SATS go okay. 

    Well done on the PADs. Glad your job is okay for now.
    Thank you :)  

    ladyholly said:
    Good luck to little jwil with his SATs. If he gets stressed try to tell him its not him thats being tested its his teachers to make sure thay are teaching properly.
    Thank you :)  He doesn't really seem bothered at all thankfully!
    "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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