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  • doingitanyway
    doingitanyway Posts: 10,685 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I wouldn't worry about the minimal temporary gain. 
    Well done in starting the Christmas goodies much later than usual
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • jwil
    jwil Posts: 22,943 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I wouldn't worry about the minimal temporary gain. 
    Well done in starting the Christmas goodies much later than usual
    Thank you :)
    "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: 22,943 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 - £83
    Nov - £100
    Dec - £76

    Car balance Sept 25 - £11,031 - now £8,918
    "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
  • teapot2
    teapot2 Posts: 3,665 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Oh @jwil theres a lot going on in your world so I hope you can all decompress over the holidays.  Glad OH's car insurance is sorted already and you have a replacement chosen.  Well done on the good feedback at work in between more stressful aspects.

    Heart breaking about little miss and her school experience, so painful when you just want to protect your wee ones.  I hope the school will be supportive and put things in place in the NY.  Take care of yourselves x
  • beanielou
    beanielou Posts: 97,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    teapot2 said:
    Oh @jwil theres a lot going on in your world so I hope you can all decompress over the holidays.  Glad OH's car insurance is sorted already and you have a replacement chosen.  Well done on the good feedback at work in between more stressful aspects.

    Heart breaking about little miss and her school experience, so painful when you just want to protect your wee ones.  I hope the school will be supportive and put things in place in the NY.  Take care of yourselves x
    From me too xx
    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.
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    One debt remaining. Home improvement loan.
  • Sun_Addict
    Sun_Addict Posts: 24,912 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh poor little miss, a child should never have to go through this. Children can be very cruel ☹️ I hope the situation can be resolved. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Hope things are sorted quickly for your little miss , feel sad for you  going through this , glad you all have some much needed time off xx
  • jwil
    jwil Posts: 22,943 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you everyone, it's so heartbreaking. The school have been pretty good so far, so hopefully things will improve.
    "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 said:
    Thank you everyone, it's so heartbreaking. The school have been pretty good so far, so hopefully things will improve.
    I hope so.
    Credit card 1891
    Overdraft 208

    2026 EF 80/3000
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