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Small steps lead to big changes...

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  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    The only room I still have carpet it is my bedroom & when it's time to be replaced it will be with click vinyl or click laminate.  So easy to clean & lasts so well.
    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.
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry, just read your latest post.
    House wise things are comcar ing on well.
    Great price for the carpet.

    Boo, just boo to the cars & van.
    Hope things are resolved really soon.
    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.
  • Humdinger1
    Humdinger1 Posts: 2,310 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @jwil you are due some humongous pieces of good luck after all that!  Well done for keeping on it onwards and upwards love Humdinger xx 
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    As a fellow car sufferer I feel your pain. Extra well done on sorting the carpet and furniture. I hope your knee stops hurting soon x 
    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/p1

  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    The only room I still have carpet it is my bedroom & when it's time to be replaced it will be with click vinyl or click laminate.  So easy to clean & lasts so well.
    Thank you.  I might have a look for some of the other rooms.

    beanielou said:
    Sorry, just read your latest post.
    House wise things are comcar ing on well.
    Great price for the carpet.

    Boo, just boo to the cars & van.
    Hope things are resolved really soon.
    Thank you, I hope so too! :)

    @jwil you are due some humongous pieces of good luck after all that!  Well done for keeping on it onwards and upwards love Humdinger xx 
    Thank you :)

    As a fellow car sufferer I feel your pain. Extra well done on sorting the carpet and furniture. I hope your knee stops hurting soon x 
    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
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about your motoring bills. That's some run of bad luck. 

    Hopefully things will improve soon. Your DIY activities sound good - and great price on the carpet.

    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
  • EssexHebridean
    EssexHebridean Posts: 24,433 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh what a nightmare with all the car and van issues - talk about it never rains but it pours! Fingers crossed at least once the big bill is paid that'll be you all done for a while on that front. 

    As for grumpy days - we all have them, treat yourself kindly! 
    🎉 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
  • Sending lots of love. You have a lot going on. Impressed on the MSE way you are doing the bedrooms & still PADing x
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