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  • jwil
    jwil Posts: 22,448 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    £268 in September  :)
    I know, that was epic!  Shame it's followed by such a poor month :(

    Your pads have always, and continue to be, amazing! Well done :)
    Thank you :)

    Humboldt said:
    jwil said:
    Another sale packed and posted today.

    I've had a good look at my finances this morning and updated the spreadsheet.  I'm still on track for retirement, and there is plenty of scope within my spending to cut things back a little.  So that's all positive, I just need to do it now!
    Morning @jwil I loved reading this post.  It confirms that all your hard efforts are worthwhile. 
    Thank you :)  It's very reassuring.  I don't think it will be a full retirement, but maybe just getting a little something for a couple of days a week.  It was a relief to realise that my lack of extra money this month was more overspending rather than overcomitting!
    "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: 22,448 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 - £49

    Car balance Sept 25 - £11,031 - now £9,822
    "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: 22,448 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm very disappointed with my PAD totals this month, but I just don't have the extra.  It's good that I've still got enough there to do the basics though!
    "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
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,603 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    jwil said:
    … I just don't have the extra. 
    I think we all have months like this jwil, don’t be so hard on yourself. As you have still been able to pad some & reduce car balance you’ve done remarkably well 😘
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
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