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Your declutter update has given me a much needed kick up the butt.Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.041 -
So impressed by your weight lossMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.2
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I’m impressed with it but also very jealous as I don’t have any willpower.in_need_of_direction said:So impressed by your weight lossI 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 -
Thank you, I'm really pleasedNewstartforme said:Big well done on your loss , what a great achievement , hope little miss really enjoys the concert tomorrow xx
Thank youbeanielou said:So blooming chuffed for you on the 2 1/2 stone.I forecast that you will be in the 8’s on the car by the end of the month. Amazing.
I still have another CC payment to make so should be in the 8s soon "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 -
Good luck with it. I could definitely be doing more!Rhyddid2026 said:Your declutter update has given me a much needed kick up the butt.
Thank youin_need_of_direction said:So impressed by your weight loss
It's an endless struggle for me too. It's definitely not easy. Going to group is what is keeping me largely on track at the moment, I'd have thrown the towel in if I wasn't doing that.beanielou said:
I’m impressed with it but also very jealous as I don’t have any willpower.in_need_of_direction said:So impressed by your weight loss"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 - £83
Nov - £100
Dec - £52Car balance Sept 25 - £11,031 - now £9,030"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 -
Last night was the concert. It was nice enough, but really, over an hour travelling across county, spending over £30 on tickets, we had to buy a meal deal each as we had gone straight from work, fuel etc. All for a single song performance!!!! We couldn't really see her, after they had performed, they disappeared out of sight until the end of the concert. There were performances from loads of schools, so it was a nice event, but a lot of effort and travelling for very little really. We took another child home so did our good deed for the day as well.
We didn't get home until after 10.30, so it was a very long day for them.
I'd much rather have gone to the carols in the park in town, and taken her for that, which would have been local and free!"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 McGee7 -
Hi @jwil, just catching up... so many positives. Well done on the weight loss, PAD's, decluttering, listing of items to sell, etc. It's a busy time of year, especially with youngsters and a full time job, so be kind to yourself and reflect on your amazing achievements x1
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Thank youHumboldt said:Hi @jwil, just catching up... so many positives. Well done on the weight loss, PAD's, decluttering, listing of items to sell, etc. It's a busy time of year, especially with youngsters and a full time job, so be kind to yourself and reflect on your amazing achievements 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 -
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 - £83
Nov - £100
Dec - £56Car balance Sept 25 - £11,031 - now £9,028"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
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