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Small steps lead to big changes...

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  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Happy holiday! I hope the carpet looks lovely 😊 
    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

  • Humdinger1
    Humdinger1 Posts: 2,314 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Happy new carpet @jwil! Are you letting him in still in dressing-gown, heading back to bed with tea and buttered toast?! Love Humdinger xx 
  • doingitanyway
    doingitanyway Posts: 10,061 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Don't forget to factor in fun for yourself too
    Enjoy your time off and your carpet!
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 22,067 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy the time off and good luck with your new carpet and your new soa. At least an early carpet fit gives you a head start on putting it back together 🙂
    Thank you, yes it will be nice to have it done early!
    "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: 22,067 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy holiday! I hope the carpet looks lovely 😊 
    Thank you!  I'm very excited :)

    Happy new carpet @jwil! Are you letting him in still in dressing-gown, heading back to bed with tea and buttered toast?! Love Humdinger xx 
    Nearly, he turned up at 7.30!  :D:D 

    Don't forget to factor in fun for yourself too
    Enjoy your time off and your carpet!
    Thank you, I will certainly make some time for myself 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: 22,067 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy holidays and happy payday!

    Carpet fitter turned up at 7.30, said he'd take a chance on me being up :D   Luckily I had dragged the kids out of bed early and I had at least managed to shut the other bedroom doors on the mess, and hoover up the spilled cat food so I didn't look completely slovenly :D:D:D 

    Good news also that one of the gutter people got in touch last night, so they've booked in to come and have a look next week.  I'm very relieved as I do want that to get fixed as soon as possible.

    I've got little jwil's Easter service this afternoon, so won't be doing a huge amount today, but can make a start on the tidying and cleaning, and hopefully soon admiring a new carpet!
    "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: 22,067 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £89
    April £2
    "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: 22,067 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    End of month update:

    Debts:
    1. £3500/ £3479
    2. £4562/ £4534

    Total: £8062/£8013

    Mortgage - £96,177.49/ £94,084.89

    Savings:
    LISA: £1,272.70 / £1,420.53
    Premium bonds £1,025 / £1,150
    Emergency fund: £3.36 / £150
    Other savings 1: £0/ £150
    Other savings 2: £0/£100
    "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
  • BalanceBy50
    BalanceBy50 Posts: 490 Forumite
    Seventh Anniversary 100 Posts Photogenic Name Dropper
    Looking really good @jwil. Have you started paying more towards your debts? I need to do a DMP review & keep putting it off but they are now chasing me. 

    We had my youngest’s Easter service yesterday - I didn’t know any of the songs - you couldn’t call them hymns😂 so felt really old. I love a good hymn from my childhood 😂

    I hope you have a lovely weekend and that the completed bedroom looks fab xx
  • jwil
    jwil Posts: 22,067 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Declutter update:

    199. Extension lead
    200. Aerial cable
    201. TV box
    202. Router
    203. Cables
    204. Charging plug
    205. Hairband
    206. Camera cable
    207. Lego set
    208. Train wagon
    209. Scalextric track piece
    210. Boxes
    211. Latex gloves
    212. Pen
    214. Glow sticks
    215. Action figure
    216-220. Cars
    221-254. Kids books
    255. Book
    256. Motorbike
    257. Hand throttle
    258. Light shade.

    Declutter totals: 
    Magazines/papers: 10
    Other: 258

    Total: 268

    Ebay listings: 62
    Ebay parcels: 48


    Survey/other earnings:
    Amazon: £5
    Paypal/cash: £131.22
    Other vouchers:£0
    "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
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