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Rest up
Wishing you wellIf 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) 25/07/20251 -
That’s great news about DH’s job.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Ah I hope you are feeling better soon and are able to rest (I am also a 9pm bed gal with a 10pm light curfew lol).Great news re DH!Mortgage (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 Forum1 -
Great news about your DH.Feel better soon ❤️🩹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. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Good news on DH job. Sorry to hear you are unwell especially as it’s half term, always the way. My GK’s finish tomorrow with their inset day being a week on Monday. Im the one who notes all these dates down as my DS and his wife don’t usually notice till the day before and I then get the call asking can I help, which I love to do. Take things easy and hopefully you will start feeling better soon.:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.001
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Have you worked out what your average monthly pads have been? I know you're a bit disappointed this month but I reckon that would put it back into perspective.
I hope you're feeling better soon, rest up as much as you can.Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.992 -
Thank youdoingitanyway said:Rest up
Wishing you well
Thank you, it's a relief!Sun_Addict said:That’s great news about DH’s job.
Thank youSpendywendywoo said:Ah I hope you are feeling better soon and are able to rest (I am also a 9pm bed gal with a 10pm light curfew lol).Great news re DH!
Thank youbeanielou said:Great news about your DH.Feel better soon ❤️🩹
Thank youamber03 said:Good news on DH job. Sorry to hear you are unwell especially as it’s half term, always the way. My GK’s finish tomorrow with their inset day being a week on Monday. Im the one who notes all these dates down as my DS and his wife don’t usually notice till the day before and I then get the call asking can I help, which I love to do. Take things easy and hopefully you will start feeling better soon. That's good of you helping with your GKs and I bet they love it as well.
Thank yourachmac3 said:Have you worked out what your average monthly pads have been? I know you're a bit disappointed this month but I reckon that would put it back into perspective.
I hope you're feeling better soon, rest up as much as you can. I haven't worked out the average PAD, but I'll do that now, great idea! "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 -
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 - £53Car balance Sept 25 - £11,031 - now £9,820"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 -
Ok, my average monthly PAD Jan-September is £130 so not bad, thanks @rachmac3
I made it til 7pm last night then headed off to bed. I got up at 6.30am this morning which is late for me! I feel much better this morning, but still snotty. Today is very much a rest day with lots of soup and fluids.
I've been out with the dog, though she wanted more of a sniffy walk rather than a march which suited me fine. I did get to see a nice partial sunrise through the clouds.
The house has been thoroughly aired and I've got little miss's bedding in the wash. I'll do the rest over the next couple of days.
DH has sold a load of stuff which is good, so that will need to be packed and posted when he pulls it all out."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 McGee6 -
Glad you feel a bit better today, hope you can rest and recover over the weekend. Good news re DHs job and those sales.2
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