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Small steps lead to big changes...

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  • Enjoy your time off and great news on the electrician getting the work done, great to get things ticked off. xx
  • beanielou
    beanielou Posts: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy holidays. 
    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.
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Happy holidays ⭐️
    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/p1

  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on all the house progress. You are making huge strides. 

    I do the ad-free duo version. I don't have patience for ads. It's also a waste of my time. I wish I'd done the half price year version now though. I will threaten to cancel after my holiday and see if they then give me a better offer. 
    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
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Happy holidays. 
    Thank you :)

    Enjoy your time off and great news on the electrician getting the work done, great to get things ticked off. xx
    Thank you :)  It feels nice to have it done.

    Happy holidays ⭐️
    Thank you :)

    Well done on all the house progress. You are making huge strides. 

    I do the ad-free duo version. I don't have patience for ads. It's also a waste of my time. I wish I'd done the half price year version now though. I will threaten to cancel after my holiday and see if they then give me a better offer. 
    Thank you :)  I've signed up for the 2 week trial this morning, so that will cover me throughout my time off.  The ads are very intrusive and annoying when I'm on a roll!  If I enjoy it I might consider, but that's a good idea about waiting for an offer.  I'll cancel after the trial ends and see if they offer me anything.  If not, I'll wait for a bit.
    "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 - £93
    July - £123
    August - £24
    "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
    I've booked us in for swimming this morning, so we'll be off shortly for that.  I'm sure it will do me good as I'm feeling a bit grotty this morning which is mostly anxiety I think.  I'm looking forward to a good rest this couple of weeks.  I do want to do a bit of decluttering, sorting, cleaning and bits in the house.  I want to go out and about with the kids as well.  I want to do lots of reading and chilling!  Make use of my duo free trial.  There will be some visiting friends and family as well, and definitely some beach time somewhere in there!  It sounds a fair amount, but there's no schedule and no pressure, so we'll just take every day as it comes and do what we fancy!
    "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!
    Yah for doing what you fancy & lots of reading 📚
    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.
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    That sounds such a lovely holiday plan. Enjoy ✨
    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/p1

  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Yah for doing what you fancy & lots of reading 📚
    That sounds such a lovely holiday plan. Enjoy ✨
    Thank you both :)  It's my ideal holiday plan, but something usually suckers it.  Hopefully not this time!
    "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
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