📨 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...

1…319320322324325…374

Comments

  • teapot2
    teapot2 Posts: 3,547 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Enjoy your quiet day, is it possible you have been subconsciously favouring your 'good' knee over the other one when moving about?  Hope you can be pain free x
  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    debtfreewannabe321 said:
    I've had a kinda pottering around day too. I think they're the best kind of day 😊
    They definitely are!  Just doing whatever takes the fancy :)

    I like your profile pic - is it a new one?
    "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: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    teapot2 said:
    Enjoy your quiet day, is it possible you have been subconsciously favouring your 'good' knee over the other one when moving about?  Hope you can be pain free x
    Thank you :)  That had occurred to me.  I've also been out of the habit of walking to school the last few weeks, so that probably hasn't helped either.  I need to get my knee strengthening exercises out again I think.
    "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: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've just been chilling with a book this afternoon :grin:  and the hot water bottle!  It was nice this morning, but cooled down and clouded over this afternoon.

    I read something the other day which said these temps are actually long term average for this time of year, but we've been accustomed to warmer temps through climate change so they feel colder than they actually are :(   However, my computer says it's 15 degrees which I don't think is normal for July!
    "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: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £8

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £118
    June - £93
    July - £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
  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Survey cashout so nicer pad today.  I can't be bothered with anything otherwise so just chilling today.

    Hope everyone is having a good one.
    "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
    I find that October is often better than summer these days.

    Hope your knee improves.
    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
  • doingitanyway
    doingitanyway Posts: 10,036 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry to read your knee is painful.
    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: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    I find that October is often better than summer these days.

    Hope your knee improves.
    Thank you :) Hopefully so, as we've got a weekend away booked in October!

    doingitanyway said:
    Sorry to read your knee is painful.
    Thank you :)   Touch wood both knees are ok 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: 22,044 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 - £93
    July - £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
★ ★ ★ 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
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

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.
Update Your Picture