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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
    It's payday on Friday, if I can do a survey cashout this week, I reckon I could get past £250 on the PADs!!  That would be amazing.  I think I've got enough pending on PA so hopefully some will get approved.

    It's DH and my 20th anniversary of being together today, 15 years married next month.  We'll celebrate with a takeaway later :D 

    I've got some listing to do, some admin-y type stuff to catch up on, hopefully get the plants in the ground.  Little miss has sorted some more toys to go.  I've added a few more bits to the clothing bag.  Must remember to check tomorrow morning if the clothing bank has been emptied so I can take it in the afternoon.

    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
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with your PADs goal.

    Congrats on your anniversary. 

    I love textile banks but like you find it frustrating when they are full.
    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:
    Good luck with your PADs goal.

    Congrats on your anniversary. 

    I love textile banks but like you find it frustrating when they are full.
    Thank you :)  

    It is annoying when they are full, but that was over a week ago now so I'm hoping it will be empty now. I don't want to lug it just in case as it's a bit of a walk and I have a big bagful.  There are others I can use nearby if necessary, but I prioritise this one as it raises funds for the school.

    Admin caught up on.  I've moved one of DH's savings accounts to a better paying one.  Need to get his agreement to do another one.  He's off car booting, hopefully not bringing much back!

    Sports day t-shirts found for this week.  They have team colours and I thought the ones from last year were still around, and they are and still fit so that's good news.
    "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
    Always nice when you're rewarded for your organising / searching by finding what you need.
    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:
    Always nice when you're rewarded for your organising / searching by finding what you need.
    It is!

    I've planted the rose, but can barely get the spade into the ground where I want the butterfly bush.  Might try and persuade DH to have a go as it doesn't look like we are due rain any time soon.  The lavender should be easier as well as that is in a bed that has been disturbed more recently.  Three planters I moved are cracked, so I will empty them into one of the tyres to help start filling that.  Some wildflowers have come up again in that area from seeds I threw down last year.   They look lovely, even if they are not where they should be :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
  • doingitanyway
    doingitanyway Posts: 10,073 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Lavender, butterfly bush, roses...your garden sounds lovely  :)
    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
  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway said:
    Lavender, butterfly bush, roses...your garden sounds lovely  :)
    Thank you, it's not yet, but hopefully will be :)  It's all been hugely neglected for years (a bit like the house really!)
    "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 did switch DH's other savings account when he came home.  That's progress!

    I finished a book this afternoon, so that's another one to be decluttered.
    "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: 95,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy anniversary.
    Hope you enjoy your takaway  :)

    PAD's are awesome.
    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:
    Happy anniversary.
    Hope you enjoy your takaway  :)

    PAD's are awesome.
    Thank you :)  Takeaway was nice, I ate too much though :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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