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  • jwil
    jwil Posts: 21,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My regular saver took a payment yesterday and another one this morning!  That's a bit annoying, but it matures in a couple of weeks, so I'll be able to get it back.

    I did my grocery shop today and it was less than £60 so that's a good start.  I'm trying to declutter the food cupboards in January so will be trying to use as much of that as I can. Hopefully that will keep costs down.  After I've finished that, I'll look into SW properly.
    "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
  • Sounds like you’ve had a very productive day. 
    Read some horror stories about burst hot water bottles recently, just checked mine as I’ve had it a while but it seems ok. 
    And it’s Friday tomorrow!!
  • NeverendingDMP
    NeverendingDMP Posts: 2,203 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 3 January at 8:43AM
    You can check the date a hot water bottle  was made by looking at the flower motif apparently. The dots in the petal are supposed to indicate the year and month.  
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • jwil
    jwil Posts: 21,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you’ve had a very productive day. 
    Read some horror stories about burst hot water bottles recently, just checked mine as I’ve had it a while but it seems ok. 
    And it’s Friday tomorrow!!
    Yes, I've heard stories too.  I use mine most of the year for aching muscles as well as keeping warm so I am always careful with it.

    Happy Friday!

    You can check the date a hot water bottle  was made by looking at the flower motif apparently. The dots in the petal are supposed to indicate the year and month.  
    Mine was fairly new, only 2023, and the one I've replaced it with was 2024. They both have the label on them.
    "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: 21,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £3

    Jan - £18
    "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: 21,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Little miss has a friend here today, so I've mostly been pottering around.  I've done my revised financial statement for the DMP, and my payments will be staying the same so that's easy enough.  They've helped to declutter a few things this morning by using up items so that's all good.

    I've also taken photos for a load of stuff to list, just need to gather enthusiasm to do the listings now!
    "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
  • Doing the listings is the worst thing for sure, that and waiting for people to collect if it’s via FB market place. I sold a fair bit through vinted last year when I had a clear out, that wasn’t too bad. Good luck with it x
  • Doris17
    Doris17 Posts: 922 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    Good luck with the listing, I have a pile to do as well.

    "Make Everyday Count"



  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on last year's achievements.  Wishing you all the best for this year too.
    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
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