We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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...
Comments
-
Sorry about the electrician.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.2 -
Well done on the declutter. Hope the electrician turns up soon.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 29/7/251 -
I was so angry. I did make it clear that I don't ever go up there so was reliant on his word.WinterWarrior said:Oh DH! 😖 that is so annoying…and embarrassing for you when you thought the access to the loft area was sorted. I hate micromanaging mine, but the alternative is to not take any responsibility when it doesn’t get done!"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 McGee2 -
Thank you, I messaged him and he's coming today 🤞beanielou said:Sorry about the electrician.
Thank you. Hopefully he will come today!savingholmes said:Well done on the declutter. Hope the electrician turns up 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 McGee3 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £25
"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 padded to the wrong account yesterday 🤦♀️ Oh well, it still counts.
Thanks to SH I checked my cashback account yesterday and found that my car insurance cash back had become payable, so I've withdrawn that. I'd forgotten all about it! When it arrives I will PAD that.
There's a well paying survey in PA at the moment, so hopefully it will still be there at lunchtime.
Looking forward to seeing some more progress in the bathroom 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 McGee3 -
Fingers crossed 🤞 the electrician turns up!
I had a new bathroom fitted last summer and I was obsessed with tiles and taps afterwards 🤣MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
3 -
Hope the bathroom progressed today and the electrician showed up?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) 25/0720252 -
Oh I'm glad it's not just medebtfreewannabe321 said:Fingers crossed 🤞 the electrician turns up!
I had a new bathroom fitted last summer and I was obsessed with tiles and taps afterwards 🤣
It did, I have a shiny new toilet and sink now, and the electrician turned up and reconnected the showerdoingitanyway said:Hope the bathroom progressed today and the electrician showed up?
"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 McGee2 -
When the electrician was here yesterday I asked him to give us a quote for some more of the work needing done to upgrade the wiring and install some more sockets. If the quote is reasonable, then there will only be our bedroom and the front room left to do.
The bathroom is taking shape, I think it's just the grouting and connecting the towel rail and shower screen, plus some finishing off to do. I'm half hoping today will be enough to finish as my anxiety is high and I could do with a bit of rest. It will be so lovely once it's done.
There will be not much point in getting the plasterer in until the electrics are done, as at least one of the tasks will mean a wall needs skimming, and I'd rather get it all done at once. The same with the flooring as we want to get little jwil's bedroom carpeted, and maybe the hall/stairs/landing as well depending on how much funds we've got left. But then I'll probably want to get some decorating done too. Hmm, things are spiralling "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 McGee4
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.5K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards