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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,000 Forumite
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    Thank you 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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got to the beach. The photos look lush.
    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: 22,000 Forumite
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    savingholmes said:
    Glad you got to the beach. The photos look lush.
    Thank you :)
    "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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 9 October 2024 at 10:49AM
    Today's PAD - £2

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £118
    June - £93
    July - £123
    Aug - £118
    Sep - £60
    Oct - £18
    "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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm still padding, but only the basics as I haven't been keeping up with surveys etc.

    The plasterer did come, hurrah.  So that's all done now.  Yesterday the electrics in the room plastered kept tripping, but I've turned them back on this morning and touch wood they haven't tripped again, so hopefully it was just a bit of moisture somewhere.  I'll try plugging the hoover in later, and then if nothing fails, I should be able to move back out the back with my work computer.  I hate not having two screens and working off the small laptop screen.  The bathroom looks great though, and it will be good to get it finally painted and new flooring then that will be done!

    Work event tomorrow, I'll be glad when this week's over.  I'll have a little bit of time around my trains to have a little mooch around the city centre, so that will be nice.  I've got my flu and covid jabs on Friday.

    Still no news on the job front. It's not looking good though, there is evidently a battle going on about what has been proposed for our area.  We've already lost a quarter of our headcount and if we lose any more we'll struggle to do the day job!
    "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: 22,000 Forumite
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    Well, I got my answer and it's not good news for me.
    "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: 95,659 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    jwil said:
    Well, I got my answer and it's not good news for me.
    Oh no. So so sorry jwil 🤗🤗🤗.  Xx
    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.
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,096 Forumite
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    Sorry to hear this news Jwil. 
    Life is an adventure, never stop exploring.

  • ladyholly
    ladyholly Posts: 3,947 Forumite
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    I am so sorry to hear your news. The only thing to say is that at least you are no longer living with uncertainty.
  • dawnybabes
    dawnybabes Posts: 3,370 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Oh no 😱😱😱😱
    Sealed pot challenge 822

    Jan - £176.66 :j
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