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Small steps lead to big changes...
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Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £2"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 McGee3 -
I've just withdrawn the majority of my PBs
However, it's because the bathroom is being done next week! 
He's going to make a start on Friday, and then do the rest next week. I'm trying to get the electrician in as well.
It's not helping my anxiety/overwhelm, but that will be one huge thing ticked off my to do list!"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 McGee9 -
Hope it all goes to plan and you can get the electrician to come along as well
It can be stressful trusting that trades will turn up and also do a good job. 3 -
Great news 🥳 It will be so worth it once it’s done.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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That's great. Will be so worth it.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.4 -
teapot2 said:Hope it all goes to plan and you can get the electrician to come along as well It can be stressful trusting that trades will turn up and also do a good job.Sun_Addict said:Great news 🥳 It will be so worth it once it’s done.
Thank you everyonebeanielou said:That's great. Will be so worth it. Electrician is coming today to disconnect the shower, hopefully he will be able to come back early next week. I'm so anxious about it all, but I'm sure it will be fine and it will be lovely to have a nice bathroom with taps that don't drip!
"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 McGee5 -
exciting times jwil. I would be anxious too, but it will be worth it!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/p12 -
I had a big anxiety attack last night about not having any savings again. I have reminded myself that we're not in the same position as before, and can actually access credit now if we need to, so it's not the end of the world. Plus, I know I can add a little bit to savings each month so it will build up again. I haven't slept well at all over the last few nights, so feel rubbish today.
Little jwil has two days at secondary school so whilst he'll be fine, that's on my mind as well. It's a busy week again for school stuff, plus with the election on Thursday, now the bathroom starting on Friday and we have plans over the weekend as well. I'll be glad when it's all over!"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 McGee6 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £4
"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 McGee5 -
I can understand your anxiety about having no savings but think about your PADs and your ability to rebuild savings. It will be worth it in the end and you will have built up savings in no time.jwil said:I had a big anxiety attack last night about not having any savings again. I have reminded myself that we're not in the same position as before, and can actually access credit now if we need to, so it's not the end of the world. Plus, I know I can add a little bit to savings each month so it will build up again. I haven't slept well at all over the last few nights, so feel rubbish today.
I have a similar anxiety as I won't have a safety net if I do get my house but I will rebuild tooIf 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) 25/0720252
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