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I don’t know who your provider is but I was pleasantly surprised recently I could get a better deal online with VM. It just took a quick phone call to sort it out properly. The previous time it took me the best part of a weekend haggling via What’s App 😬
I get knocked down but I get up again (Chumbawamba, Tubthumping)2 -
I'm with the British one. I've always had some success haggling before, but there are better deals on their website now, so I should be able to save some regardless.Sun_Addict said:I don’t know who your provider is but I was pleasantly surprised recently I could get a better deal online with VM. It just took a quick phone call to sort it out properly. The previous time it took me the best part of a weekend haggling via What’s App 😬"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 McGee2 -
PAD (Payment a Day)
Today's PAD - £12
Jan - £117"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 McGee4 -
I did an extra pad during my money shuffle yesterday, so have added it to today's total.
It's very cold here again, but lovely and sunny and blue skies which makes a delightful change from the endless grey we've had recently. Little jwil didn't have a good night last night with coughing, and little miss wasn't right yesterday, so a day at home resting is planned.
Hope everyone got through yesterday's weather ok."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 McGee4 -
Your Padding is superb!Nov/Dec 24 £39 564
July 25 £34 5312 -
Thank youLzzyIsGod said:Your Padding is superb!
It's quite addictive, and helps reduce that middle of the month boredom where nothing is happening. "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 McGee2 -
Well done on The PADsAchieve 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 29/7/251 -
Thank yousavingholmes said:Well done on The PADs "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 McGee2 -
A bit more sorting and decluttering done today. I think I need to spend a bit of time organising things a bit more, as everything looks a bit messy and shoved in. If I organise a bit more it will look better and that will make me feel better.
DH found a part for one of our ebay items so it can be sold as complete now. Hopefully that will nudge someone to buy it!
I found some bulbs that I bought and forgot about, so I have planted them today. I don't know whether any will grow, but I know they definitely won't if I don't try!
I had identified more items to declutter from the cupboards for tea tonight but DH bought stuff that needed using so we've had that, and I'll do the other stuff either tomorrow or Monday. I want to go to the farm shop and get some more of their potatoes - they were so much more tasty than the supermarket ones even though they were the same type."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 McGee4 -
Well done on the bulbs. I have more to plant 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 29/7/251
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