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I know, that was epic! Shame it's followed by such a poor monthdoingitanyway said:£268 in September
Thank youSpendywendywoo said:Your pads have always, and continue to be, amazing! Well done
Thank youHumboldt said:
Morning @jwil I loved reading this post. It confirms that all your hard efforts are worthwhile.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! 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 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 - £268
Oct - £49Car 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 McGee0 -
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 McGee5
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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 😘jwil said:… I just don't have the extra.❤️Mum 2018
0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗
Retired at 55 & now living off the equity £10k a year
❤️Dad 2025
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/p14 -
A rare blip but still not to be sneezed at...jwil said: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!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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
@jwil, looking at the overall picture I would say you are smashing it!! You've still a lot saved this month and any progress is still progress - well done xDebt Free: 6th November 2025!! 🥳
Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £232,212.93
2026 goals:
26 books (3)
26lbs lost (2)
£26k sinking funds & savings (£6.5k)
£2600 mortgage o/p (£400)
20,600 exercise and meditation minutes (2.8k)
2.6l water a day
2026 Top Cashback accrued: £5.46
Nectar: £116.50
Boots: £1.99
DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum1 -
Absolutley no need to be.;REmember how amazing you are.jwil said: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!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.
One debt remaining. Home improvement loan. 21 months left.1 -
Skint_yet_Again said:
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 😘jwil said:… I just don't have the extra.doingitanyway said:
A rare blip but still not to be sneezed at...jwil said: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!Spendywendywoo said:@jwil, looking at the overall picture I would say you are smashing it!! You've still a lot saved this month and any progress is still progress - well done x
Thank you all 😍beanielou said:
Absolutley no need to be.;REmember how amazing you are.jwil said: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 McGee1 -
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 - £51Car balance Sept 25 - £11,031 - now £9,821"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 -
I am so tired, full of cold, and can't get warm today. I've had this cold all week, but it's been fairly minor, until this afternoon where it hit with a bang! Of course I was in the office today which didn't help. I couldn't face anything remotely healthy today so it's not been an on plan day, but the week overall has been pretty good.
I'm debating between snuggling on the sofa with a blanket and hot water bottle, or heading to bed with the same. The sofa will probably win in the short term, as I don't like falling asleep too early (for me that is, I know my normal sleeping habits (9-10pm) are early for many
)
The kids both have inset tomorrow, so half term starts now! I'll have to do the dog walk tomorrow, but apart from that will just be resting.
Little jwil's appointment has come through for Monday, so that's good that it won't infringe on my only working day next week (Tues).
In good news, DH has been offered and accepted a permanent role at the place he has been temping. It's a bit of certainty for now, even if he doesn't stay long term."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 McGee8
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