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Small steps lead to big changes...

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  • beanielou
    beanielou Posts: 95,768 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Love love love a lifeboat shop.
    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.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy the beach - sounds amazing.

    Well done on the PADs. Enjoy your time off.
    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: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Love love love a lifeboat shop.
    We always support the lifeboats too.  Don't tend to buy stuff from the shops but they usually have those twirly collection points where the coins roll around for ages before going into the slot.  The kids love those :D 

    Enjoy the beach - sounds amazing.

    Well done on the PADs. Enjoy your time off.
    Thank you, it was lovely out there yesterday!
    "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
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    I used to enjoy picking up RLNI Christmas cards in the middle of summer 😁
    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

  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD £2

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £69
    "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 used to enjoy picking up RLNI Christmas cards in the middle of summer 😁
    That's a good idea!
    "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
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Lovely beach and I love the traffic jam 😁
    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

  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    DH built the last of the storage last night, so I'll move that up to little miss's room today.  It all fits so my measurements were to be trusted :D 

    He's going to do a tip run today with all the cardboard, so that will be out of the way.  I might have a quick look around to see if there's anything else to go.

    I've got one ebay parcel to pack and post.  Something else gone!

    Not much else planned for the day other than tidying/cleaning/decluttering.

    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
    Lovely beach and I love the traffic jam 😁
    It was terribly busy!  We were stuck for ages as they were just happily ambling along :grin:   We had an escort behind us as well from those that had stopped for a snack on the way :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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