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PAD (Payment a Day)
Today's PAD - £3
Jan - £129
Feb - £63
Mar - £103
Apr - £149
May - £79
June - £145
July - £157
Aug - £81
Sept - £157
Car balance Sept 25 - £11,031 - now £10,618"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 -
Happy Friday! I'm so looking forward to a morning of peace! DH will be home at lunchtime. I've been out and walked the dog this morning, and will soon be walking to school so that's my exercise sorted. I tried to tidy round yesterday, so I don't have loads of housework to do, so my plan is to just chill out.
I've transferred the money for the car now, so that's all paid for. I checked online yesterday and it has a new MOT and should have at least two new tyres by the looks of it. So I just need to tax it and pick it up now!
I've sent over another payment to the CC this morning as my account was looking healthier than expected after paying for the car. That will be the back pay I got this month. Not counting it as a PAD though as it's not 'extra' money."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 -
Happy Friday!
When are you collecting the car?Debts 04/01/25 01/09/25
Tesco CC £6,509.97 £5,930 (now NatWest2)
NatWest CC £7,612.74 £6,905
Lloyds CC £6,112.60 £4,943.12
1st Direct CC £176.03 £6.68
CC total £20,411.34 £17,784.80TSB OD £500 £0
1st Direct OD £600 £250 (0%)
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £9,005
Total £36,195.78 £30,789.80
EF £5002 -
Thank yourachmac3 said:Happy Friday!
When are you collecting the car?
Tomorrow, I'm simultaneously excited and terrified!
Dealer has confirmed they've received the payment, so that's all good."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 -
Happy new car for tomorrow.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 -
Well done on tackling the car debt even before you get the car! Glad you got backpay too. It all helps. Mine comes this month as well.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/251 -
Enjoy the new Car and well done for smashing the 11k barrier!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...1 -
Thank youbeanielou said:Happy new car for tomorrow.
Thank yousavingholmes said:Well done on tackling the car debt even before you get the car! Glad you got backpay too. It all helps. Mine comes this month as well. The backpay has definitely helped this month!
Thank youNeverendingDMP said:Enjoy the new Car and well done for smashing the 11k barrier! "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 McGee0 -
Well I now have my new car and I love it! My fears about driving it were unfounded. It's so easy to drive and so smooth and quiet. We got it from a town about 20 odd miles away, so I had a good drive to try it out (which was also what was making me most nervous).
Unfortunately yesterday wasn't such a great day, as I spent all evening in A&E with little jwil. He'd fallen in PE yesterday and it turns out he'd fractured his wrist. Luckily not too badly, so he's got a splint for the next few weeks. It's obviously pretty painful though poor thing.
What with that and my general anxiety about the car this week, I feel exhausted and completely drained, so am planning on a day doing absolutely nothing tomorrow!
My DM has managed to find me some school trousers for little jwil, so that issue is now also resolved thankfully! The first pair fits fine, so I've ordered a second pair.
I lost 1.5lb at SW today which was a lovely surprise. I've had several off plan days so was hoping for a maintain at best. Although I didn't win the SOTW, I got the basket as I was the runner up and the winner hadn't stayed, so I have another nice pile of goodies which have just given me a free meal. It will hopefully help offset the McDs burger and coke I had at lunchtime!
"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 -
Glad you love your new car. Sorry to hear about little jwil’s injury, hopefully he’ll recover quickly. Well done on the 1.5lb off 🥳I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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