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Small steps lead to big changes...

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Comments

  • NeverendingDMP
    NeverendingDMP Posts: 2,484 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Hope the weather stays good and you have a good day out if you go. Well done on the swimming. Can feel.like an age in each stage but they all do so well don't they. Swimming is a hard thing to master x
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 Sept 26- just under 62k

    June 25 Debts in my name were £5170. Now 6687 (Sept 26)
    DH debts ?? at a guess £15k
  • jwil
    jwil Posts: 23,930 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    NeverendingDMP said:
    Hope the weather stays good and you have a good day out if you go. Well done on the swimming. Can feel.like an age in each stage but they all do so well don't they. Swimming is a hard thing to master x
    Thank you :)  We did go in the end to have a look around.  They have done very well with swimming, it's lovely to see.  I'm contemplating getting in touch about little jwil though, they never do the thing he needs to move up a level!
    "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: 29,234 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'd definitely get on to that for little Jwil. 

    I would have thought car boots for your DH would be like an addict going back to their drug of choice... I've had to try and keep away from all such temptations as it too soon gets out of control - especially when it's a bargain.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • jwil
    jwil Posts: 23,930 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    I'd definitely get on to that for little Jwil. 

    I would have thought car boots for your DH would be like an addict going back to their drug of choice... I've had to try and keep away from all such temptations as it too soon gets out of control - especially when it's a bargain.
    It is really, and he knows my feelings on it.  However, to be fair he is much better now and buys a lot less than he used to.  He also knows that I don't want him buying stuff for the kids unless it is to be put away for a birthday or Christmas.
    "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: 23,930 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £17
    "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
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Listings, PADs, car boot. You continue to inspire  :)
    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • jwil
    jwil Posts: 23,930 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway said:
    Listings, PADs, car boot. You continue to inspire  :)
    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: 23,930 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £19
    "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: 29,234 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PADs. Glad you have managed to retrain your DH
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • jwil
    jwil Posts: 23,930 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    Well done on the PADs. Glad you have managed to retrain your DH
    Thank you :)  It's a work in progress I think :D 
    "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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