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Small steps lead to big changes...
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Yesterday we went to see family which was nice. Popped to the supermarket whilst out, and then pottered around. 4 parcels were posted, so more stuff gone.
Today will be trying to do more around the house I think, and maybe the garden too! Little miss brought her bedding down this morning unprompted! It's nice not to have to nag. She's also been sorting her room. I did tell her if it wasn't done by Wednesday I'd be cancelling her friend visiting
"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 -
Have a good day. We have mega rain so no gardening here, hope the sun shines for you xxJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
It's quite sunny here at the moment! Thank youNeverendingDMP said:Have a good day. We have mega rain so no gardening here, hope the sun shines for you xx
Have a good day too. "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 McGee1 -
Sales are going well. Clearing stuff is very satisfying. 2
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I agree with the low standards thing - or get a cleaner - or a combination.
Hope you are having a better week Jwil.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/253 -
Thank yousavingholmes said:I agree with the low standards thing - or get a cleaner - or a combination.
Hope you are having a better week Jwil. I'm not great, but getting there. "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 McGee1 -
I didn't do a lot in the end yesterday, so today's plan is to carry on. The kids aren't up yet which is unusual, so when they do get up I'll see if they want to do anything. I'll take advantage of the fact they aren't up to give the living room a good clean. I've put the sofa blankets in the wash, and need to wipe down the sofas, clean the windows (and sill), and dust. Better go and do it now instead of sitting on here!"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 McGee1
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Enjoy the quiet time cleaning.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/p12 -
Sorry, 'enjoy', 'quiet time', and 'cleaning' should not all be in the same sentenceWinterWarrior said:Enjoy the quiet time cleaning.
It's done though, and looks so much better. It's surprising about how much cat hair there still was considering we lost her 4 months ago. Says a lot for my cleaning levels🤦♀️ I've also done the porch the best I can so that looks better too. Hoovered including the stairs as well.
Nipped to Mr M to get a few bits that I can't get in my 'normal' shopping tomorrow. Filled up the car whilst I was there as it's only half full and that makes me twitchy "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
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