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Small steps lead to big changes...

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  • beanielou
    beanielou Posts: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    ladyholly said:
    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.
    This is me.
    My record is about 3 weeks  :(
    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.
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI Jwil - that's a shame re the dentist. I too have Denplan. 

    Well done on the PADs.
    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
  • ladyholly
    ladyholly Posts: 3,949 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    beanielou said:
    ladyholly said:
    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.
    This is me.
    My record is about 3 weeks  :(

    Gosh I thought mine were bad. It is soooo expensive to keep having to replace shoes and I can never wear pretty ones any more :'(
  • jwil
    jwil Posts: 22,036 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. 
    It's so wrong isn't it.  I've been relentless about keeping up with appointments as they have been very quick to drop people that don't attend regularly or cancel appointments.  It's so unfair on the children.

    ladyholly said:
    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.
    It's really hard isn't it, and that's a shame that yours have lasted such a short time, that's rubbish!
    "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
    beanielou said:
    ladyholly said:
    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.
    This is me.
    My record is about 3 weeks  :(
    That's a nightmare :(  

    HI Jwil - that's a shame re the dentist. I too have Denplan. 

    Well done on the PADs.
    Thank you.  I'll have to have a look at Denplan and compare it to paying outright (or whatever it is on the leaflets they gave me yesterday).  I don't really want yet another monthly payment coming out, I'd rather just pay as and when if I can.


    "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 ordered the trainers I had before last night.  I thought at least I know they fit, and they were cushioned, and they lasted several months.  The ones I currently have will be fine for when it is wet or periodically, but maybe not for every day.

    I've woken up with a splitting headache this morning, hopefully it's just dehydration and it will clear with a lot of water and some painkillers.  It's been a long time since I had a migraine so hopefully it won't turn into one.

    I've sold a book, so will post that later.  I've also had to buy little jwil a sleeping bag for a sleepover at the weekend and top up his mobile phone (he doesn't use it as standard, it's a basic phone for when he's away).  I'm still forever grateful that I can do these things now, and it doesn't cause a massive panic like it would have just a couple of years ago.

    Have a good day everyone :)
    "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 - £141
    Feb - £96
    "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
    Love that your budget is calmer now despite inflation 
    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
  • Fingers crossed that the headache has settled a bit now. (And thank you for mentioning dehydration - I've just had another couple of swigs from my water bottle!)

    I can really sympathise with hills making knee issues worse - I had to acknowledge some time ago that I can't do hill repeats for running fitness as I just end up in agony for days after. It's annoying. 

    That's a pain about the dentist - and especially that it now means you will have to pay for the children's visits to, as others have said, that really doesn't sound right, does it! 
    🎉 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
  • beanielou
    beanielou Posts: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Also have a banging sore head.
    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.
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