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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
    A hot date with Keanu sounds perfect. I never got over my Speed crush from back in the day 🥰
    Sorry everything is a bit pants, but I really think the bathroom is a good idea. When I swapped my Bath out for a lovely reliable non moving fitted one MrWW (who never takes baths) thought it was pointless and the claw foot looked better (it didn’t). I got the biggest deepest one I could, with a central tap and it makes me smile every time I look at it. It could fit a hippo in, so is the perfect size for me 😅
    I've been crushing on him since I was around 14, so DH knows where he stands in comparison :D:D  

    Your bath sounds lovely.  We are not going to swap ours, so hopefully it will save a bit of money, and then maybe at some point in the future we'll get it re-enamelled.  I think ours is a non standard size and it's metal so solid as a rock.

    beanielou said:
    Sorry there’s so much happening. Keep plodding.  Great idea to get the bathroom done if you can as prices will only go up. 
    Work sounds not the best & it’s so unsettling. 
    Thank you.  It would be lovely if the bathroom was done, it always seems so grubby.  I've left a message for DH's preferred plumber today so hopefully they'll get back to me soon.
    "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

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £118
    June - £69
    "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

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £118
    June - £71
    "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
    A friend of mine got the bath in the house they bought to do up and sell on re-enamelled and it looks amazing - you'd think it was a new bath, it looks so good!

    Sorry to hear the work stuff is so grim - it's awful when you find yourself getting that sinking feeling at the thought of work, and let's be honest, it's a big part of many of our lives isn't it. 

    Also - the process of transitioning from being in debt, to trying to build savings is INCREDIBLY tough. If you've learned the lessons from the debt stuff (which you clearly have) then no matter how far down the line you go, that horror of finding yourself back there is always present, and spending money after a long period of clearing debt just feels "wrong" - it takes time and actually I think also a whole new learning process to be able to move to a place where you can spend responsibly without guilt. 
    That's good to hear about the enamelling, I don't know anyone that's had it done, but the pictures online look good.

    It's hard with work, I've always mostly enjoyed the job, hence being here so long. It will just be good to know where we fit in the future, and whether I'll still have a job!

    Thank you about the debts.  You are so right. Because our savings aren't growing by loads every month, it feels really hard to go back to the start and have to begin building it up again, especially when everything is so uncertain at work.  However, the bathroom is desperately needed now, so at least we don't have to take out a loan to do it.  We've also paid outright for the electric works, the carpet for little miss's bedroom and although the boiler was put on a CC it's at 0% so should be cleared easily enough.  It's a positive situation to be in overall!
    "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
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PADs

    I feel you on the hayfever as I'm having similar issues.

    Good luck with the bathroom. I feel guilty spending £ still - so get that too. Best of luck with re-establishing your savings afterwards. At least it doesn't sound like fritter spends.

    I'm also diving into stories for escapism currently.
    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: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PADs

    I feel you on the hayfever as I'm having similar issues.

    Good luck with the bathroom. I feel guilty spending £ still - so get that too. Best of luck with re-establishing your savings afterwards. At least it doesn't sound like fritter spends.

    I'm also diving into stories for escapism currently.
    Thank you :)  Sorry you are also suffering.

    It's hard spending, but fingers crossed it will be worth it!  I haven't been doing any frittering which is good news :grin:

    It's always nice to escape in a book or a good film/tv series.
    "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

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £118
    June - £73
    "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've had the afternoon off to watch little jwil's production.  It was lovely, and it's nice to see how all the children have grown up.  DH is going to the evening performance while I take little miss swimming.

    The plumber came round this morning, and is going to come back and do the kitchen taps next week, and will price up the bathroom work.  There are some bits we'll have to arrange separately (plastering and flooring) but that's not a problem.  I forgot to mention changing the radiator to a heated towel rail, so might ask next week or maybe leave it for now.  He's going to tidy up the messy pipework too which will make it much more pleasant.
    "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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