📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Small steps lead to big changes...

17374767879374

Comments

  • NeverendingDMP
    NeverendingDMP Posts: 2,266 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Excellent news about the nationwide and new lamp shade find. And glad your cough is starting to ease. It looks like the sun's here for a day or two which is nice 
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excellent news about the nationwide and new lamp shade find. And glad your cough is starting to ease. It looks like the sun's here for a day or two which is nice 
    Thank you :)  I'm loving the sun and glad it will be here for a bit.  It would be nice if it lasted a couple of weeks for half term 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: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2, yesterday £2

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £51
    "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: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another lovely day today, so I'm doing all the bedding and getting it out on the line.

    I watched and decluttered a DVD last night so something else gone.  A pottering day planned.  I've got some listings to do for DH as well.

    I've requested time off in lieu for the Saturday and Friday that I've worked, that combined with a bit of flexi means that I can have half term off without using any annual leave, so that will be nice.  Hopefully the good weather will remain as well so we can go out and about.

    I've popped a gammon in the oven and we'll have that with salad today I think.

    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
  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £6

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £57
    "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
  • EssexHebridean
    EssexHebridean Posts: 24,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've been scrutinising the Ikea site for storage options lately as well - as if we end up in the house we want we're going to need a fair bit of extra furniture! We bought some of their Billy bookcases when we first moved into our original rented flat together, then added to those with a couple more when we bought where we are now - annoyingly though they no longer do the same colour in those. They're so adaptable though, and as long as you choose wisely their stuff is decent quality. 
    🎉 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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've been scrutinising the Ikea site for storage options lately as well - as if we end up in the house we want we're going to need a fair bit of extra furniture! We bought some of their Billy bookcases when we first moved into our original rented flat together, then added to those with a couple more when we bought where we are now - annoyingly though they no longer do the same colour in those. They're so adaptable though, and as long as you choose wisely their stuff is decent quality. 
    Definitely.  I like the bookcases too.  I was mostly buying some of the kallax storage to (hopefully!) fit under the bed.  I also found one unit to go in a very small spot which can hopefully be used as a bookcase.
    "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: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've (touch wood) got a much less pressured week this week, so took advantage this morning and walked home a different route from school which takes about 5 minutes longer.  It took me up the hill which hurt my knee so much it prompted me to make the Drs appointment.  I can very happily say that today, I got up the hill with limited aches and pains.  I am so pleased about that!  My fitness clearly still leaves something to be desired though :D (though it's possibly slightly impacted by the cough as I'm still a little bit chesty).

    I finished early today, but feel I've had a really productive day so that's all good too.

    It's so nice when life is at a slower pace.
    "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 the walk. Glad the cough is easing. 

    Well done on the PADs.

    Lovely you can have half term week off without using annual leave.
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.6K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.