📨 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…3031333536…374

Comments

  • jwil
    jwil Posts: 22,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2 


    Jan - £141
    Feb - £92
    "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
  • EssexHebridean
    EssexHebridean Posts: 24,432 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    South West Water used to be about the most expensive for charges as I recall - I remember my MIL being utterly astonished when I told her how much they were setting her D at when they moved to the house with the meter from where they'd been - it was about a quarter of what they'd been paying! 

    Glad you had a lovely birthday and a nice trip out, and another vote here for eating things you actually want too! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • jwil
    jwil Posts: 22,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    EssexHebridean said:
    South West Water used to be about the most expensive for charges as I recall - I remember my MIL being utterly astonished when I told her how much they were setting her D at when they moved to the house with the meter from where they'd been - it was about a quarter of what they'd been paying! 

    Glad you had a lovely birthday and a nice trip out, and another vote here for eating things you actually want too! 
    Yes, I agree SWW are the most expensive.

    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: 22,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2 


    Jan - £141
    Feb - £94
    "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: 10,043 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Hello @jwil I just tried PMing you but it didn't work :/
    A while back you had identity fraud, if I remember correctly? My post redirection is very hit and miss. So, one of my financial frogs is to get regular credit updates. I remember you did this? How do I go about it please? Is there anything else I should do?
    Can you PM me? Thank you  :)

    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
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    @doingitanyway.
    join the MSE credit club~~it is free & keeps you up to date  :)
    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: 22,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway said:
    Hello @jwil I just tried PMing you but it didn't work :/
    A while back you had identity fraud, if I remember correctly? My post redirection is very hit and miss. So, one of my financial frogs is to get regular credit updates. I remember you did this? How do I go about it please? Is there anything else I should do?
    Can you PM me? Thank you  :)

    Will do now :)

    beanielou said:
    @doingitanyway.
    join the MSE credit club~~it is free & keeps you up to date  :)
    Definitely this :)
    "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: 22,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    For anyone else who is interested, there's links to all the credit reports here: https://www.moneysavingexpert.com/loans/check-free-credit-report/

    Today has been a hectic day.  I had to finish early to take the kids to the dentist - all good there thankfully :)  The dentist is going private though, and it's impossible to get NHS dentists around here, even for children, so I guess that's going to cost in future :(  

    I walked this morning, and my knee is very painful again :(  It must be the hills that make it worse.  I live on a hill and the way I go is the gentlest slope so I don't know how to avoid it.  I'll keep on with the exercises and hope it will improve.  Uphill is worst, it's not so bad downhill and largely fine on a flat.  I don't think the new trainers are helping as they don't feel as supportive as I'd hoped.  It's so hard to find decent footwear!  There's nowhere here that does fitting.  Something that feels comfortable isn't always the same once it's been worn a few times.  I might get another pair of the ones I had before as they were ok.


    "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
  • Sun_Addict
    Sun_Addict Posts: 24,118 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My dentist went private several years ago.  I had to set up Denplan insurance to cover costs. It’s not right to have to pay for children though. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • ladyholly
    ladyholly Posts: 3,953 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I can sympathise with footwear. I have constant problems as I am very limited in the style I can wear and because I walk on the side of one foot they dont last very long at all as the hel and the side of the shoe wears down quickly and this this knocks my balance even more than usual. My latest pair is almost unwearable after about 6 weeks and I am struggling to find more.
★ ★ ★ 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
  • 453.8K 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

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