We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
It's Christmas Eve Eve (yeah for me that's a thing 🤦🏾♀️), and as daunted as I am by wrapping all of the kids' bargain priced presents, I woke up hopeful today when thinking about self-gifting (as we easily often forget ourselves). So just in case you've become so focussed on everyone else at this time of year, just remember your own limitless gift, as...
So here's to the possibilities of this season, the coming months and the years ahead. How you choose to spend your own gift will be personal to you, but just remember to always create possibilities and opportunities that allow you to shine and to live your best life in whatever fashion that means for you and your loved ones.
Debt Free Diary:- The Mental Debt Struggle(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved 2025 CHALLENGES:#16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
Lovely quote as usual @Keedie. Can't believe how well people are still PADding considering the time of year. Looking forward to keeping on with it in2023.
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.
Challenges
EF #68 £550/£3000 . Fiver Friday '25 #10 £15 Studies/surveys August £0
Thanks @Makingabobor2. And yes this group and thread is really special and inspiring isn't it? The PADs for this time of year are so impressive, and wait until you see the total for the whole of 2022, your jaw will drop 😳.
Debt Free Diary:- The Mental Debt Struggle(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved 2025 CHALLENGES:#16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
Thanks @Makingabobor2. And yes this group and thread is really special and inspiring isn't it? The PADs for this time of year are so impressive, and wait until you see the total for the whole of 2022, your jaw will drop 😳.
Well I was late to the party this year, so hope to contribute a lot more next year. Thanks for all you are doing. x
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.
Challenges
EF #68 £550/£3000 . Fiver Friday '25 #10 £15 Studies/surveys August £0
It's never too late to join @Makingabobor2 and every penny all adds up, so the grand total that we've PADded will be as much your achievement as everyone else's 😁.
Debt Free Diary:- The Mental Debt Struggle(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved 2025 CHALLENGES:#16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
It's never too late to join @Makingabobor2 and every penny all adds up, so the grand total that we've PADded will be as much your achievement as everyone else's 😁.
Bless you.
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.
Challenges
EF #68 £550/£3000 . Fiver Friday '25 #10 £15 Studies/surveys August £0
Christmas Eve Eve is definitely a thing for me too @Keedie A couple of weeks back I had an invite from a cousin to go over on Christmas Eve Eve for a catch up. I was looking forward to heading over this evening and it was only when she messaged me to ask if we were still on for the 24th that I realised she meant the evening of Christmas Eve, otherwise she would have had an unexpected visit this evening The quote/thought for today is another great one.
27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 5