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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £26

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £118
    June - £93
    July - £123
    August - £110
    "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
  • NeverendingDMP
    NeverendingDMP Posts: 2,232 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 27 August 2024 at 8:03AM
    Excellent PAD, be careful with the bookcase.hope the update doesn't take too long or cause any issues
    Jan 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...
  • missymoo81
    missymoo81 Posts: 8,006 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ah I  hope you manage a good day. The first day back is always the worst. Well done on the PADs
    snd the decluttering. I really do feel your pain with the job. I’m absolutely in the same boat and having to go back to work after time off is awful.
    chin up.
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excellent PAD, be careful with the bookcase.hope the update doesn't take too long or cause any issues
    Thank you :)  I haven't done anything with the bookcase yet.  I will be careful though!  The update wasn't too bad, I hate it when things look different though :D  

    Ah I  hope you manage a good day. The first day back is always the worst. Well done on the PADs
    snd the decluttering. I really do feel your pain with the job. I’m absolutely in the same boat and having to go back to work after time off is awful.
    chin up.
    Thank you :)  It's horrible isn't it, the first day is definitely the worst!  Hope you had a better day xx
    "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: 22,025 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 - £112
    "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
  • teapot2
    teapot2 Posts: 3,546 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great PADS, thats over £1000 so far this year!! The small amounts really do add up 🎉🎇🎈
  • lookbook
    lookbook Posts: 127 Forumite
    100 Posts Photogenic
    teapot2 said:
    Great PADS, thats over £1000 so far this year!! The small amounts really do add up 🎉🎇🎈
    Yes they really do. 
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    teapot2 said:
    Great PADS, thats over £1000 so far this year!! The small amounts really do add up 🎉🎇🎈
    lookbook said:
    teapot2 said:
    Great PADS, thats over £1000 so far this year!! The small amounts really do add up 🎉🎇🎈
    Yes they really do. 
    Thank you both :)  It always amazes me!  The surveys really help bump the total up as well.
    "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: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I had my call back from the GP as promised yesterday - excellent service again.  Good news is bloods came back clear so no evidence of anything wrong.  However, not so good news is that my HBA1C came back as diabetic!  I was only just over the prediabetes level in Jan so it seems to be a huge jump.  To be honest, although I am shocked, I'm not surprised, the last few weeks/months I haven't been eating well at all, and I haven't been particularly active.  I need to have another test in a couple of weeks to confirm.

    So I need to make sure that is a wake up call for me and make a proper plan as to what I'm going to do.
    "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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the blood test results. A loss of even 5-10% of weight can give major benefits. I appreciate that if like me you have a lot of wright to go it's a big target but breaking it down like that helped me get past my all or nothing approach.
    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
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