We’d like to remind Forumites to please avoid political debate on the Forum.
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.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
All change for 2025
Comments
-
Sorry to hear you are enduring such extreme temperatures.
I hope little jwil manages ok at school. Try not to worry too much.2 -
Thank you, I struggled my way to school in a t-shirtladyholly said:Sorry to hear you are enduring such extreme temperatures.I hope little jwil manages ok at school. Try not to worry too much.
He was fine thankfully."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 -
Like you, I couldn't see the lunar eclipse due to clouds. Such a shame!
Great declutteringIf 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Thank you, it's a shame we missed it!doingitanyway said:Like you, I couldn't see the lunar eclipse due to clouds. Such a shame!
Great decluttering"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 - £2
Jan - £129
Feb - £63
Mar - £103
Apr - £149
May - £79
June - £145
July - £157
Aug - £81
Sept - £170
Car balance Sept 25 - £11,031 - now £10,609"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 McGee7 -
I finally got round to booking my hba1c test today, it's only been due since January! 🤦♀️ I've been at SW for 12 weeks now, plus was making changes long before that so hopefully I will see a positive result.
I've also started my xmas shopping
plus ordered a couple of bits for little miss's birthday (November). I want to be organised, and get everything done before December so I can relax and enjoy the build up. "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 McGee7 -
Well done Jwil , you are very organised, best way really . Hope little Jwil is on the mend somewhat x3
-
@jwil, that's fantastic progress with Christmas, I was just thinking about it the other day and started to compile a list but you've motivated me to start looking for gifts too
Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £233,925.83
Debt Free: 6th November 2025!! 🥳
2025 goals:
24 / 25 books
6 / 24lbs lost
£1000 / £1000 EF
DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum2 -
I predict a drop in your BS number
You have made a head-start on Christmas. Well done
If 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
It might seem early to some but when you’ve got little ones you need to start getting ahead for Christmas.I saw the lunar eclipse but didn’t realise that’s what it was until much later. I just thought the moon looked odd 😆
Wow £170 PADs for September already 🥳I get knocked down but I get up again (Chumbawamba, Tubthumping)3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards