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  • jwil
    jwil Posts: 21,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £118
    June - £93
    July - £123
    Aug - £118
    Sep - £60
    Oct - £113
    Nov - £66
    Dec - £63
    "If you can dream it, you can do it". Walt Disney
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Also only milk to get! 
    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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Jwil. Well done on the PADs not easy this time of year.

    Sounds like a good childcare solution. 

    Good luck with the sleep.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • jwil
    jwil Posts: 21,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Also only milk to get! 
    It's a nice feeling isn't it!

    Hi Jwil. Well done on the PADs not easy this time of year.

    Sounds like a good childcare solution. 

    Good luck with the sleep.
    Thank you.  I'm hoping that I'll get some decent sleep while I'm off.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Despite the fact that I was very tempted to leave it and get a takeaway instead, I have done the oven!  I'm very relieved it's done.  DH hoovered and put some washing away.  I think he's been swapped!

    Time to chill with a book and some TV this evening.  Have a good one :)
    "If you can dream it, you can do it". Walt Disney
  • Sounds like you’ve had a busy day, enjoy your chill with your book and the TV. Well deserved after cleaning the oven x
  • jwil
    jwil Posts: 21,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you’ve had a busy day, enjoy your chill with your book and the TV. Well deserved after cleaning the oven x
    Thank you :)  I'm so tempted to pay someone to do it next year :D 
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £135
    Mar - £129
    Apr - £114
    May - £118
    June - £93
    July - £123
    Aug - £118
    Sep - £60
    Oct - £113
    Nov - £66
    Dec - £65
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Sunday.  I was up earlier than planned, and feel a bit CBA today, so I'm just going to snuggle up and chill.  I've got the last of the bedding in the wash so at least that will be done with the exception of our duvet which I'll do tomorrow.

    I'm feeling the urge to ramp up the decluttering next year.  Despite getting rid of lots, everywhere is still rammed and it's very frustrating.  There's loads of kids stuff around which they never use, so I need to try and persuade them to get rid. I can do another sweep of my stuff too, though I've got the least in the household.  Everywhere gets so grubby as it's always such a huge job to move everything to clean, and I am either short of time, or it just seems too much effort half the time.
    "If you can dream it, you can do it". Walt Disney
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