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Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £83
"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 with PADs
Hope you are feeling less 'meh' now
Hope the healthcare things go well. It's important to look after yourself when you are looking after so many peopleIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Thank youdoingitanyway said:Well done with PADs
Hope you are feeling less 'meh' now
Hope the healthcare things go well. It's important to look after yourself when you are looking after so many people
"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 McGee1 -
Today's PAD - £10
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £93
"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 McGee1 -
Survey cashout means a nice PAD today. I've hit over £400 in my PAD account now. I'm debating whether to move it over to PBs or keep it where it is. If I move it to PBs, it will get me over £5k so I might have a better chance of winning, but if I keep it where it is, I'll get monthly interest which is appealing. I suppose I could do a combination of both once I get my poll clerk payment, use that and half of the PAD account to get me over £5k, and then leave the rest where it is.
I finally changed my current account so I could open little jwil one. I get a reward each year so chose a 12 month Disney plus subscription. It means I will be able to cancel my current subscription and save £4.99 a month, and no cost to me as long as I pay in £2k a month. I also get to keep my current account details which is a bonus as I know them off by heart!
I'm feeling tentatively more confident about continuing to have a job in the future, but there are still no guarantees. However, it sounds like there's an awful lot of change going to happen in our area (not good change) and they will need staff to manage it. They are losing 25% of our team through VR and general leaving, so I guess that ups the likelihood of the rest of us remaining."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 -
Good news about your job ⭐️
The pads are lovely. Could you choose a ceiling, like £500 for instance and when you hit it you could split half out to pb’s, half to general savings and then start again?
Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p13 -
Good news that your job is likely to be more secure.
Well done on the PADs. I find monthly interest very motivating.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 29/7/252 -
Both of these & you will have another PC duty on 4th July!!savingholmes said:Good news that your job is likely to be more secure.
Well done on the PADs. I find monthly interest very motivating.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.2 -
Today's PAD - £2
Jan - £319
Feb - £135
Mar - £129
Apr - £114
May - £95
"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 -
I was thinking of doing something similar - it's a current account, but it pays over 4% interest, so I'm happy to leave it where it is, but maybe getting it to a certain amount and then anything above going to PBs as and when I get another £25.WinterWarrior said:Good news about your job ⭐️
The pads are lovely. Could you choose a ceiling, like £500 for instance and when you hit it you could split half out to pb’s, half to general savings and then start again?
I like seeing monthly interest as well, it's very motivating.savingholmes said:Good news that your job is likely to be more secure.
Well done on the PADs. I find monthly interest very motivating.
I'm definitely pleased about that. I had someone asking me to do an event on a Thursday and I could see all the rumours floating around. I waited until the announcement had been made before confirming so I wouldn't miss outbeanielou said:
Both of these & you will have another PC duty on 4th July!!savingholmes said:Good news that your job is likely to be more secure.
Well done on the PADs. I find monthly interest very motivating.
"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 McGee3
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