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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
    I hope you enjoy your minutes of peace. Little miss’s room is clearly paying for itself 😀😁
    It definitely is! :grin:  So is little jwil's.  It's so nice they've got somewhere to go, and nice that it gives me space to do my stuff!
    "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 - £90
    "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!
    Your pads are awsome  :)
    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.
  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Your pads are awsome  :)
    Thank you :)  They are this month for sure!  I'm tempted to throw the nationwide bonus straight to the mortgage when it comes as well.
    "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!
    jwil said:
    beanielou said:
    Your pads are awsome  :)
    Thank you :)  They are this month for sure!  I'm tempted to throw the nationwide bonus straight to the mortgage when it comes as well.
    You should.
    Sadly I am not getting it  :(
    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.
  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I haven't done a thing today! So tired.  I might crack out the fan tonight to try and get some sleep.

    DH took the kids to the park and to find a local waterfall that none of us have seen before.  It was pretty dry so glad I didn't go :D  But at least I know where it is now.

    My next door neighbour is spending a lot of time in his garden and keeps shouting over for me because he knows I sit just inside the french doors.  It's nothing major, and he just wants to chat, but I find it really stressful as that place is my little sanctuary to get away from all the noise of the house, and also where I go when I don't want to talk to anyone.  It's also where I work, so quite annoying when he distracts me (I can get away with ignoring his calls then though).  I also don't want to go out in the garden when he's there, so feel I can't just potter around.  There's trellis there, so he can see through.  It's his fence, and he said recently he wanted to replace it with a 6ft panel.  Hopefully he will soon!  We've thought for a long time about putting new fence down that side as his is quite tatty, but we'd only do that if we could put it as additional on our side, as he's constantly in dispute with the neighbours at the back and on the other side over their fences!

    Anyway that was just a moan, as I hate hiding in my own house!  I will probably try and figure out a way to politely tell him to stop.  I don't mind talking at the front, but I want the back to be private.
    "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
    beanielou said:
    jwil said:
    beanielou said:
    Your pads are awsome  :)
    Thank you :)  They are this month for sure!  I'm tempted to throw the nationwide bonus straight to the mortgage when it comes as well.
    You should.
    Sadly I am not getting it  :(
    That's such a shame.  I did read something yesterday that if you get in touch with them and have a strong argument for being a loyal customer then you might have a chance of getting it, so it's worth a try if you've been with them for years or have several accounts.

    "However, Britain’s biggest building society has indicated there may be cases where people who missed out but can show “very compelling” extenuating circumstances end up being declared eligible for a payout. A review process is under way, although the society suggested this would not be a large number of people."

    https://www.theguardian.com/business/2023/jun/10/nationwides-100-payouts-labelled-unfair-by-some-customers

    "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!
    Saw that.
    I only moved there when DS worked for them though!
    Thanks though  :)
    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.
  • 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 - £92
    "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
    So annoying about the neighbour. We have one of those to the side garden. I try not to get eye contact, but if dog sees him she’ll run over and that’s 15 mins of your life gone. It’s even worse for MrWW. If he pops out and doesn’t come back in for ages I know he’s been trapped 😁 Much better to have friendly neighbours and they really are lovely, I wouldn’t swap them, but it’s still hard when they are retired and have all the time in the world, but our time is limited. 
    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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