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.
📨 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!
All change for 2025
Comments
-
doingitanyway said:£268 in SeptemberSpendywendywoo said:Your pads have always, and continue to be, amazing! Well doneHumboldt 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!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 McGee0 -
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 McGee1
-
jwil said:… I just don't have the extra.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/p12
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.8K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards