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Small steps lead to big changes...
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Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £118
June - £93
July - £123
August - £84"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 -
Your PADs always remind me that i should start doing them again...It's amazing how they build up! Hope you've had a good bank holiday
MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Thank youdebtfreewannabe321 said:Your PADs always remind me that i should start doing them again...It's amazing how they build up! Hope you've had a good bank holiday I just do them out of habit now, so don't really think about it, then I see how the total adds up and am always surprised 
"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 woke up in a foul mood this morning. The kids wanted to go swimming, so I was going to book them in and just spectate, but know that they prefer it if I go in with them. So I went in and as ever it did me the world of good.
Dreading back to work tomorrow. I keep thinking I should just leave, but I need to remember all the flexibility and other benefits I get from the job, which would be a shame to lose, particularly in the short term while little miss is still at primary school. I've also been looking around at jobs over the last few months, and nothing's grabbed me, so there's no point at this stage. I just need to sit out the next few months and if I survive, see how the changes bed in before making any big decisions."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 McGee5 -
My sheet of paper is full up so I thought I'd update it
Declutter update:
881. Lego boat pieces
882. T shirt
883-884. Soft toys
885-898. Beer mat towels
899-900. Diecast planes
901. Lego lot
902-903. Pens
904. Sack of paper
905. Towel rail
906. Pen
907. Hairbrush
908-910. Socks
911. Pen
912. Dominos
913. Thomas track pieces
914. Snakes and Ladders game.
915. Wig
916. Packaging
917. Jeyes Fluid
918. Toy kitchen
919. Hair band
920. Bracelet
921. Dog ornament
922. Brick set
923. Squirrel
924. Kitchen utensils
925. Ball
926-935. Toy cars
936-937. Toy motorbikes
938. Cup
939. Glow sticks
940. Balloon
941-954. Comics
955-959. Cars
960. Power pack
961-962. Cars
963-967. Figures
968-990. Clothing
991-993. Planes
994. Radio
995-1002. Pairs shoes
1003. Insoles
1004-1012. clothing
1013. Lego set
1014. car model
1015. Toy car
1016-1017. Farm vehicles
1018. Curtain hooks
1019. Sticker
1020. Sim card
1021-1022. Sim holders
1023-1026. Ink cartridges
1027. Jiffy envelope
Declutter totals:
Magazines/papers: 63
Other: 1027Total: 1090
Ebay listings: 93
Ebay parcels: 124Survey/other earnings:
Amazon: £30
Paypal/cash: £355.56
Other vouchers:£0"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 McGee3 -
Another 2 items sold today, which I was thinking of removing and donating, so that's good.
My ink cartridges raised £4 for the local charity so not bad for something I just wanted rid of."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 -
WOW... on the decluttering 😲!! Brilliant job!MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Amazing decluttering.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.2 -
debtfreewannabe321 said:WOW... on the decluttering 😲!! Brilliant job!
Thank youbeanielou said:Amazing decluttering.
It's nice to pass the 1000 mark! "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 McGee3 -
I started work at 6.30 and my computer is still updating! At least it's given me a chance to do my duo lessons. Having scanned through my emails I can see that stuff hasn't been done while I'm away 😡. I spend half my life chasing people, it's so frustrating.
I seem to have trapped one of my laptop cables by one of my bookcases, so I'm going to have to try and empty that and untrap it at some point.
Nice hefty pad today as my OP cashout came through "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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