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Small steps lead to big changes...

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  • teapot2
    teapot2 Posts: 3,550 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Good news on the car boot and decluttering 👍🏼
  • Fantastic, glad you had a good morning xx
  • jwil
    jwil Posts: 22,080 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    teapot2 said:
    Good news on the car boot and decluttering 👍🏼
    Fantastic, glad you had a good morning xx
    Thank you both :)  DH has carried on sorting stuff this afternoon - even better!
    "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
  • beanielou
    beanielou Posts: 95,755 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Goode result from car boot  :)
    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.
  • jwil
    jwil Posts: 22,080 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Goode result from car boot  :)
    Thank you, I'm pleased with it :)
    "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: 22,080 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £89
    April £149
    "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: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on decluttering and car boot.

    Fab result on the PADs this month too.
    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: 22,080 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on decluttering and car boot.

    Fab result on the PADs this month too.
    Thank you, I'm pleased with the PADs too!
    "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: 22,080 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £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: 22,080 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy May everyone!  I can't believe we're so far into the year and it doesn't really feel like Spring is here properly yet.

    Grey and cloudy here, DH is working.  I'll probably go and have a mooch around a car boot sale.  Keeping an eye out for plants for the garden more than anything else.  Not much else planned.

    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
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