📨 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...

1308309311313314374

Comments

  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    With the heated towel rail consider if you want one that is linked to your heating only or one with electric power as well. I went for the first which was cheaper but regretted it a little later. The other thing to beware of is that they usually aren't as warm as a radiator would be. They look lovely though.
    Thank you,  I'll look into it a bit more.  I'm thinking of leaving it til later.  

    Sorry you've been struggling.
    You do so well with juggling all that you do.
    I remember when redundancies were on the cards in our office. It changes the whole atmosphere at work.
    Getting the bathroom done sounds like an excellent idea. 
    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
  • 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 - £77
    "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!
    I would go with it. It won’t add much to the overall cost. 
    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.
  • MFWannabe
    MFWannabe Posts: 2,459 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    jwil said:
    With the heated towel rail consider if you want one that is linked to your heating only or one with electric power as well. I went for the first which was cheaper but regretted it a little later. The other thing to beware of is that they usually aren't as warm as a radiator would be. They look lovely though.
    Thank you,  I'll look into it a bit more.  I'm thinking of leaving it til later.  

    Sorry you've been struggling.
    You do so well with juggling all that you do.
    I remember when redundancies were on the cards in our office. It changes the whole atmosphere at work.
    Getting the bathroom done sounds like an excellent idea. 
    Thank you :)
    Personally I wouldn’t leave it until later; if you’re having bathroom done get it all done same time with what you want 
    Heated towel rails are worth every penny imo 

    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    I would go with it. It won’t add much to the overall cost. 
    MFWannabe said:
    jwil said:
    With the heated towel rail consider if you want one that is linked to your heating only or one with electric power as well. I went for the first which was cheaper but regretted it a little later. The other thing to beware of is that they usually aren't as warm as a radiator would be. They look lovely though.
    Thank you,  I'll look into it a bit more.  I'm thinking of leaving it til later.  

    Sorry you've been struggling.
    You do so well with juggling all that you do.
    I remember when redundancies were on the cards in our office. It changes the whole atmosphere at work.
    Getting the bathroom done sounds like an excellent idea. 
    Thank you :)
    Personally I wouldn’t leave it until later; if you’re having bathroom done get it all done same time with what you want 
    Heated towel rails are worth every penny imo 

    It's on a wall which we will need to get plastered separately, so I'm not sure which is better to come first.  I'll speak to him next week.
    "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!
    The plastering first I think. 
    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: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    The plastering first I think. 
    Thank you.  That's what I was thinking.
    "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 - £79
    "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 - £81
    "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!
    Great PADs and the bathroom plans are taking shape. All good  :)
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K 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

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.