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All change for 2025

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Comments

  • jwil
    jwil Posts: 22,548 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 - £268
    Oct - £15

    Car balance Sept 25 - £11,031 - now £10,162
    "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
  • doingitanyway
    doingitanyway Posts: 10,456 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    A mixed trip, but nice to get away and Cornwall in any weather is stunning.
    Glad car got you home safely
    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) 25/07/2025
  • Rhyddid2026
    Rhyddid2026 Posts: 627 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    That's the ideal isn't it? To improve your health by losing weight but still enjoy yourself. A bit like this money stuff I guess, unlearning old habits, learning new ones, learning how to live well. 
    It sounds like a lovely trip away.

    Debts                04/01/25         01/11/25   
    Natwest2           £6,509.97       £5,700 
    NatWest CC      £7,612.74       £6,755
    Lloyds CC          £6,112.60      £4,815
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,270
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £29,980
  • Sun_Addict
    Sun_Addict Posts: 24,480 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your mention of cars and Cornwall has made me remember years ago our car breaking down en route to Cornwall. It was fixed and we eventually made it there but it was fingers crossed all the way home. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • jwil
    jwil Posts: 22,548 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A mixed trip, but nice to get away and Cornwall in any weather is stunning.
    Glad car got you home safely
    Thank you,  yes, it's nice to get away, and to be by the coast in Cornwall!

    rachmac3 said:
    That's the ideal isn't it? To improve your health by losing weight but still enjoy yourself. A bit like this money stuff I guess, unlearning old habits, learning new ones, learning how to live well. 
    It sounds like a lovely trip away.

    Thank you.  That's exactly what I'm trying to do, create new habits, but also live at the same time, and try and be reasonably sensible.

    Your mention of cars and Cornwall has made me remember years ago our car breaking down en route to Cornwall. It was fixed and we eventually made it there but it was fingers crossed all the way home. 
    We had a similar thing when we were kids - every time we went to Cornwall we used to break down!  It was very much a relief to get home.  
    "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: 22,548 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 - £268
    Oct - £17

    Car balance Sept 25 - £11,031 - now £9,918
    "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: 22,548 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've updated the car total with the CC payment, and am now in the £9ks!  Very pleased with that.

    DH has booked his car in for Friday, so at least hopefully that will be resolved and hopefully not too expensive.

    Went into the office today, but I drove in for various reasons.  A good day on plan though, that is one benefit of being in the office!
    "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
  • And, you’re into the 9s. Well done
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
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