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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We've had a lovely day today, apart from DH's car playing up on the way home.  We made it back though in time to get the kids to swimming.  A couple of photos from today:


    "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: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    Happy birthday 🎂🎉
    Thank you :)
    "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: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Lovely pictures.
    Food for a weary soul.
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,109 Forumite
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    Happy Birthday 🥳
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Happy birthday. Lovely beach photos ♥️
    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: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you everyone :)
    "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: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2 and £2 yesterday


    Jan - £141
    Feb - £88
    "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: 10,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    One day away and I manage to miss your birthday and a lovely trip! Belated birthday wishes  :)
    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: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway said:
    One day away and I manage to miss your birthday and a lovely trip! Belated birthday wishes  :)
    Thank you very much :)
    "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: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have done absolutely nothing today!  Just sat around reading.  I must say it's been nice :grin:

    I seem to have chosen the wrong weekend to start healthy eating as we had takeaway tonight.  I'll get going properly on Monday.  I find it easier in the week anyway so can hopefully balance eating well in the week and loosening a bit on weekends.

    We've had the water bill today, it's going up to £89 a month!  I think I'm going to put my foot down and insist on going to a meter.  I can't believe we are using that much!  It's been an ongoing debate between DH and I since we moved into this house.  If we are using that much, then at least I'll know we are paying for what we use.  I've done a few calculators and get various results varying between we'd pay roughly half, and we'd pay around what we are paying so it's hard to know, but the 'average' water bill in this area is around half what we pay and we are not heavy users.
    "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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