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Small steps lead to big changes...
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Thank you. It's surprising how it adds up. I just do them automatically every day now, don't even think about it unless I know I've cashed out on something so have extra to pay.NeverendingDMP said:Pad's looking good. Especially if you look at how much you have paid since the start of the year. Well done"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 did finish the paintwork yesterday, hurrah! Just need to remove all the masking tape and see if there's any touching up needed. It's taken so blooming long to do! Little jwil's room will be much more straightforward as there's no awkward bits to do and no crawling around in tight spaces. Still lost the will to live though and tempted to just get a decorator in
DH has informed me that despite the £1k + bill, his car is still suffering with the same issue 😡😭
Big stuff happening at work, lots of change afoot locally and nationally. Not sure where it leaves me, but an awful lot of work in the short term. I'll just keep my head down and see where it all goes, and hope for the best!
Roll on the Easter holidays, I could do with a break!"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 -
Yah to decorating.
Boo car & work.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 -
Oh I hate work changes, they are always such a worry. Another boo for the car 😖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/p12 -
Hope you are okay from the work changes. Lack of budget is causing pressures where I am too - but I should be fine - just creates more work and hassle in the short term.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251 -
Oh what a pain about the car - assume that will be heading back to the garage again then, which means you lose yours again?
Agree about keeping down of heads when changes are occurring at workplaces too - definitely best to be under the radar if at all possible in my experience!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Thank youbeanielou said:Yah to decorating.
Boo car & work.
Thank youWinterWarrior said:Oh I hate work changes, they are always such a worry. Another boo for the car 😖
It's always hassle with changes isn't it.savingholmes said:Hope you are okay from the work changes. Lack of budget is causing pressures where I am too - but I should be fine - just creates more work and hassle in the short term.
He's mentioned it to the garage who has offered to have another look, but he hasn't booked it in yet. He's been browsing cars though so he might just replace it (which to be honest is my preferred option as he's spent thousands trying to resolve this issue with no success). Various things have been replaced, and it's not resolving it, and nothing is showing on diagnostics so it's just a case of keep trying new things.EssexHebridean said:Oh what a pain about the car - assume that will be heading back to the garage again then, which means you lose yours again?
Agree about keeping down of heads when changes are occurring at workplaces too - definitely best to be under the radar if at all possible in my experience!
Yes, I just want a quiet life "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 -
Today's PAD £10 (survey cashouts), yesterday £2
Jan - £141
Feb - £139
March - £60"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 -
I'm always impressed when I visit your diary
Well done on the decorating If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Thank youdoingitanyway said:I'm always impressed when I visit your diary
Well done on the decorating "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
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