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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2, and yesterday £2

    Jan - £141
    Feb - £139
    March - £44
    "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: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I need to finish the bedroom this weekend, as we won't be able to next weekend and the carpet is going in the following week.

    I did some of the gloss work yesterday and it looks amazing in there, so bright and fresh compared to how it was before.  I need to finish that and touch up some areas as well.

    As well as the painting yesterday, it turned out to be a lovely mild day with some sun, so I managed to have all the doors open and sat in the sun for a bit and a potter around the garden.  So good for the soul :)  I also managed to get the washing out for the first time in ages, and get it dried too.  I have noticed that our washing line is broken, so better think about getting a replacement in place.

    Have a good day 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: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The time outside sounds fab. The weather was beautiful yesterday 
    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: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    The time outside sounds fab. The weather was beautiful yesterday 
    It was really lovely wasn't it.  Felt like spring was on the way.
    "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: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    More painting done today, most of the awkward stuff done and some touching up.  Just got a final bit of skirting board, and the door and frame to do now.  It means I've been able to put the mattress back on the bed which makes life much easier as I don't have to constantly try and move it!

    I've also been out to pick up some flowers for my mum for tomorrow (as has the rest of the world judging by the number of people walking around with flowers).

    I'm tired and aching, but can see the end in sight now for that room.
    "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
    Good you got the flowers sorted 
    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: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    Good you got the flowers sorted 
    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: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £46
    "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: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £48
    "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: 2,248 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Pad's looking good. Especially if you look at how much you have paid since the start of the year. Well done 
    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...
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