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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,076 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PADs going well. 

    Will be great once gutting sorted. Mine is leaking where it bowed out after getting a tile caught in it once. I wonder if I'm supposed to do something about that?
    Thank you :)

    If the water is hitting the building there's a good chance of getting damp eventually.  If it's just pouring straight on the ground then I guess it's less of an issue.
    "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
  • missymoo81
    missymoo81 Posts: 8,009 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just caught up again, I’m sorry your knee is playing up again. I love reading your diary and all the little things you manage to achieve in a day. Makes me feel like I should be doing something 😁.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil said:
    PADs going well. 

    Will be great once gutting sorted. Mine is leaking where it bowed out after getting a tile caught in it once. I wonder if I'm supposed to do something about that?
    Thank you :)

    If the water is hitting the building there's a good chance of getting damp eventually.  If it's just pouring straight on the ground then I guess it's less of an issue.
    The water seems to be hitting the flags. I'll ask my handyman  what he thinks when he comes next as he's a jack of all trades.
    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: 22,076 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £89
    April £68
    "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: 22,076 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just caught up again, I’m sorry your knee is playing up again. I love reading your diary and all the little things you manage to achieve in a day. Makes me feel like I should be doing something 😁.
    Aww thank you :)  I spend an awful lot more time doing nothing than I do doing something :D 

    jwil said:
    PADs going well. 

    Will be great once gutting sorted. Mine is leaking where it bowed out after getting a tile caught in it once. I wonder if I'm supposed to do something about that?
    Thank you :)

    If the water is hitting the building there's a good chance of getting damp eventually.  If it's just pouring straight on the ground then I guess it's less of an issue.
    The water seems to be hitting the flags. I'll ask my handyman  what he thinks when he comes next as he's a jack of all trades.
    Sounds like a plan.  I want your handyman, he sounds great!
    "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: 22,076 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today I feel shattered and drained.  I've got to do a national webinar for work, so I'm going to be a nervous wreck until that's over!

    I've also got a couple of events coming up which I need to do - one which is fun but a full on day, and the other is an evening event, which should also be fine, but is a 90 minute drive each way on top of the event and there are no public transport options.

    All of those things are going to weigh on my mind until they are over.

    We also found out yesterday that my aunt died the other day so I have been visiting with my folks today.

    Guttering tomorrow, hopefully after that I can just crash and chill for the weekend.  I do still need to book the vets appointments.  Ok scrap that, I figured instead of writing about it I should just do it!  So they are booked in for Monday.

    Right, off to take the kids to their swimming lessons.
    "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
  • ladyholly
    ladyholly Posts: 3,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Condolences on the death of your aunt. Well done on ringing the vet instead of writing about it and good luck for the events. I hope all goes well with your guttering and then Breathe and relax.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Condolences over your aunt.
    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: 22,076 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ladyholly said:
    Condolences on the death of your aunt. Well done on ringing the vet instead of writing about it and good luck for the events. I hope all goes well with your guttering and then Breathe and relax.
    Condolences over your aunt.
    Thank you both :)
    "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: 22,076 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £89
    April £70
    "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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