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Small steps lead to big changes...

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  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    At a moo-torway service station? 🤭
    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
    WinterWarrior said:
    At a moo-torway service station? 🤭
    :D:D: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
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That bottom photo looks gorgeous. Glad you had a nice time even if the traffic was bad.
    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
    savingholmes said:
    That bottom photo looks gorgeous. Glad you had a nice time even if the traffic was bad.
    Thank you.  It was lovely.  It wasn't actually that busy apart from the cows :D  I was surprised!
    "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
    Storage up in little miss's room.  I did mis-measure one bit, but managed to find it another home.  She is busy up there organising it by the sounds of it.

    Our computer chair is broken, so will need to go soon.  I have one that I got from work when we moved offices, and as I rarely use it when I'm working we can replace it with that.  At least we don't need to buy a new one.

    A bit of tidying done this morning.  I've still got very little energy from this cough, as it's still on my chest so I can't seem to do too much in one go.  Wish it would just go now!  I've got to make sure I keep taking my hayfever meds in case it's exacerbating it.

    I shall try and carry on a bit more this afternoon, interspersed with some time in the sun with my book!

    Have a good afternoon 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
  • doingitanyway
    doingitanyway Posts: 10,066 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    wow last photo gorgeous. I'm envious...
    a book in the sunshine is heaven  :)
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Sun_Addict
    Sun_Addict Posts: 24,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sitting in the sun with a book is my favourite thing. Fabulous photos of the beach. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway said:
    wow last photo gorgeous. I'm envious...
    a book in the sunshine is heaven  :)
    Sun_Addict said:
    Sitting in the sun with a book is my favourite thing. Fabulous photos of the beach. 
    Thank you, it's my favourite thing in the world 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

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £71
    "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'm feeling decidedly tired and unmotivated today.  I've got no energy.  Trying to force myself to do a few bits.

    I've packed 6 ebay parcels, so a few more bits gone.  Done the meter readings while I was in the cupboard.  Tidied up the packaging which has removed a big pile from the front room.  The kids have been asked to make sure their floors are clear so that I can hoover later.

    I've pulled some boxes out so I can sort through some of the kids toy storage downstairs.  I'm going to decide what I want to get rid of and then give them the opportunity to recover anything they want to keep.  I get overwhelmed, they get overwhelmed so nothing gets done.  I then need to get it past DH who will want to try and sell it all rather than just get rid.  It's flipping hard work!
    "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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