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
-
Hope all goes well tomorrow xxI 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.1 -
Poor little jwil. Hope he recovers quickly
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes1 -
Thank youHumboldt said:Hi @jwil so sorry to read about little jwil. I wish him a speedy recovery. Well done on the weight loss. Enjoy your book x
"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 -
-
Happy Tuesday! It's nice to have the day off, even if it will be spent galloping around.
Little jwil is brighter today, and his school did phone yesterday with some suggestions of how they will support him, so we'll see how he copes getting out and about a bit today before I decide whether he goes back tomorrow.
We need to go and get him a couple of tops I think. We can't get his current ones around his cast as its really thick around his elbow. He prefers something with a collar as well because of the sling, so we'll see if we can maybe get some polo shirts or something so he doesn't have to wear a school shirt every day! I've cut the sleeve on his school shirts, but he's got plenty anyway.
CC payment today, so another reduction to the car bill. Funds are very tight this month, I think the impact of the extra borrowing is hitting, without the cushion of the back pay from last month. I'll have to have a look and see what I can cut back on. I've definitely been lax with spending recently so it should be easy enough to tighten things 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 McGee5 -
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 - £33Car balance Sept 25 - £11,031 - now £9,830"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 -
Declutter update:
959-1010. Track supports
1011. Tractor cab
1012-1013. Track pieces
1014-1017. Hand controllers
1018-1019. Cars
1020-1027. Toy parts
1028. Packaging
1029. Artwork
1030. Book
1031. Power pack
1032. Pen
1033-1072. Clothing
1073-1074. Hand controllers
1075. Plunger
1076. Car
1077. Plastic crate
1078. Hugger
1079. Lego
1080. Toy
1081. Soldiers
1082. Car
1083. Lego set
1084. Farm toy
1085. Plastic space toys
1086. Game
1087. Toy pans and accessories
1088. Model car
1089-1113. Books
1114. Where's Wally tin and books
1115. Ladle
1116. Garlic press
1117. Skimmer
1118-1122. Teaspoons
1123. Straw
1124. Bottle opener
1125-1131. Spoons
1132-1139. Forks
1140-1148. Toddler cutlery
1149-1154. Med spoons
1155. Syringe
1156. NT handbook
1157. Train wagon and accessories
1158. Coat
1159. Road atlas
1160. Artwork
1161. Remote control
1162. Headphones
1163-1174. Muslins
1175. A-Z
1176-1177. Track pieces
1178-1179. Pens
1180. Socks
1181. Model car
1182. Tractor
1183-1184. Hippos
1185. Box
1186. Car
1187-1189. Trains
1190-1220. Spices/ingredients
Declutter totals:
Magazines/papers: 129
Other: 1220Total: 1349
Ebay listings: 186
Ebay parcels: 120Survey/other earnings:
Amazon: £25
Paypal/cash: £107.88
Other vouchers:£0"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 McGee5 -
Just caught up over the last few weeks...wow! You have had so much going on! Firstly, congrats on your weightloss awards, PADs and car payments - phenomenal progress in all areas. Sorry to hear about Little JWil's arm, I am glad the op went well and school are being supportive. I also hope all went ok today and you were also able to relax a little this afternoon.
You're an inspiration in so many ways, sending a virtual hug and a very loud high 5 x
"Tough times never last, but tough people do." – Robert H. SchullerMortgage (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 Forum5 -
Hope your okay- lots of things going on for you./ at the moment isn't there! I think the impact on your budget will be felt more than usual months as you haven't had time to think as you have been here there and everywhere and fire fighting. Hopefully little jwil arm isn't too sore after his op and heals well. Hope the apt went okay and good luck in your presentationJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 nov 25- just over 64k
June 25 Debts in my name were £5170. Now 7150 (Nov 25)1 -
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 - £37Car balance Sept 25 - £11,031 - now £9,828"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
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