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Small steps lead to big changes...

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  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    WinterWarrior said:
    Well done on the half pound. I have been juggling half a pound up and down for 2 weeks now so I’m very impressed. Another poor sleeper here, can I join your zombie gang? 😁
    Everyone's welcome, though I'd prefer if none of us were here!

    Hope that pesky bouncy half pound bounces off somewhere else soon!
    "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 £7 (another survey cashout!)

    Jan - £141
    Feb - £139
    March - £89
    April £149
    May - £79
    June - £86
    "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
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,110 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    PADs are doing well this month .
    Life is an adventure, never stop exploring.

  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sunshine_girl2 said:
    PADs are doing well this month .
    Thank you, I'm really pleased with this month! :) 
    "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: 95,779 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a good weekend  :)
    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
    Storming ahead with the PADs
    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:
    Have a good weekend  :)
    Thank you, you too :)

    savingholmes said:
    Storming ahead with the PADs
    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: 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 - £79
    June - £88
    "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
    Hope everyone is well :)

    I had a nice pottering day yesterday, did a bit of sorting and decluttering.  Trying to get back on it.  The afternoon was hectic rushing around for two school discos, after school clubs and swimming.

    DH has taken little jwil to the cinema this afternoon, little miss didn't want to go, and has disappeared to her room to do her own thing, so I've got a few minutes peace.

    It's actually just started raining here, so hopefully that will do the garden some good.  Nothing too heavy, just a bit of light rain so I doubt it will come to much.


    "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 hope you enjoy your minutes of peace. Little miss’s room is clearly paying for itself 😀😁
    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

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