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  • jwil
    jwil Posts: 22,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 - £212

    Car balance Sept 25 - £11,031 - now £10,395
    "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 McGee
  • jwil
    jwil Posts: 22,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I managed to get myself back on track yesterday, so that was good.  I am out this morning so will be able to avoid snacking easily as well.  This weekend I need to come up with my winter plans, so that I have a stash of nice comforting foods that I can easily throw together.  I have a few SW ready meals in the freezer for emergencies, but I should also make some things for myself.

    DH sold another couple of items so they have been packed and posted.

    Although not planned, it's nice not having to do the school run this week.  It makes life easier!  Though I then have to force myself to exercise, so swings and roundabouts!
    "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 McGee
  • You are doing so well with getting back on track - I find the slow cooker is my best friend in winter; curries, stews and jacket potatoes are my 'go to's, all adaptable to the SW plan. I used to follow a few pages on Facebook that were SW friendly too but I very rarely use SM now. 

    Your PADS are amazing and reducing the car balance regularly is fantastic - are you making physical payments to reduce the balance or saving the money to the side for later payment? 
     
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £235,066.98
    Car Balloon Payment £12,243.60, due Nov 25. Saved £10,800 (88%), £1,443.60 (12%) remaining

    2025 goals:
    23 / 25 books
    5 / 24lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • joedenise
    joedenise Posts: 17,884 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I was going to suggest using your SC to make lots of HM ready meals for the freezer so these are easy to grab the night before ready to be reheated in the microwave for lunch.  You could also make extra of your evening meal and then have left overs the next day for lunch.

    If you like the SW ready meals they include the recipe on the package so could be worth batch cooking some of those as well.  Personally I don't actually like the ones I've tried, also think they are very expensive although by adding extra veg for example you could make each one do you 2 lunches rather than one.

    You'd be very welcome to join in on the SW thread on here if you like.  You may even get some more ideas for easy meals.  The thread is here:  https://forums.moneysavingexpert.com/discussion/6577739/lose-weight-with-slimming-world-in-2025-you-know-you-want-to#latest
  • beanielou
    beanielou Posts: 96,375 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    @jwil. Yes, come over to the SW thread. The ever lovely @bubbs posts pictures of her food every day. 
    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.
  • jwil
    jwil Posts: 22,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are doing so well with getting back on track - I find the slow cooker is my best friend in winter; curries, stews and jacket potatoes are my 'go to's, all adaptable to the SW plan. I used to follow a few pages on Facebook that were SW friendly too but I very rarely use SM now. 

    Your PADS are amazing and reducing the car balance regularly is fantastic - are you making physical payments to reduce the balance or saving the money to the side for later payment? 
     
    Thank you :)  I did pull out the slow cooker this week for a casserole so I will definitely have to use it more.

    I'm making the actual payments, I send half my PAD to savings and the other half straight to the card.
    "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 McGee
  • jwil
    jwil Posts: 22,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    joedenise said:
    I was going to suggest using your SC to make lots of HM ready meals for the freezer so these are easy to grab the night before ready to be reheated in the microwave for lunch.  You could also make extra of your evening meal and then have left overs the next day for lunch.

    If you like the SW ready meals they include the recipe on the package so could be worth batch cooking some of those as well.  Personally I don't actually like the ones I've tried, also think they are very expensive although by adding extra veg for example you could make each one do you 2 lunches rather than one.

    You'd be very welcome to join in on the SW thread on here if you like.  You may even get some more ideas for easy meals.  The thread is here:  https://forums.moneysavingexpert.com/discussion/6577739/lose-weight-with-slimming-world-in-2025-you-know-you-want-to#latest
    I do need to use the slow cooker more for sure.  I used to do leftovers a lot too, but don't seem to have them so often now that the kids are bigger. I'll have to consider it.

    I find the SW ready meals handy, and try most of them, but there's only a couple that I go back to.  I'm not keen on many of them.  I don't think I'd like to make them myself, but should definitely make things that I do like more often!

    I've lurked on the SW thread for years stalking you all :D:D  
    "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 McGee
  • jwil
    jwil Posts: 22,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    @jwil. Yes, come over to the SW thread. The ever lovely @bubbs posts pictures of her food every day. 
    Thank you :)  I do lurk on there, but never posted as I often get behind with it.  Bubbs food always looks amazing!
    "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 McGee
  • jwil
    jwil Posts: 22,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 - £214

    Car balance Sept 25 - £11,031 - now £10,394
    "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 McGee
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