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A very Happy Christmas to you and your family.1
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Have a lovely Christmas!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) 25/07/20251 -
It did come through straight away, whilst I was posting! Thank youteapot2 said:Happy Christmas to you and the fam @jwil. I don't do Ugov anymore but the last time I crawled to the £50 point it was paid almost immediately so🤞🏼. Hope the cough doesn't develop into anything 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 McGee1 -
beanielou said:Have a lovely Christmas 🎄amber03 said:Happy Christmas to you and your family jwil. Hope it’s a good one.Chrystal said:Wishing you, and yours, a lovely Christmas and a Happy and Healthy New Year. XXXX
Thank you allRhyddid2026 said:Have a lovely Christmas 🎄 "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 -
ladyholly said:A very Happy Christmas to you and your family.
Thank you bothdoingitanyway said:Have a lovely Christmas! "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 -
We had a nice wander to the coast this morning, but I've been in bed all afternoon. I couldn't get warm and felt really grotty. I was hoping to have a nap, but couldn't sleep. Hopefully it won't be hanging around tomorrow! I haven't done any of the prep I was planning.
Just waiting for the kids to go to bed so I can get everything out and then go to bed myself!
Have a good one everyone "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 -
Hope you feel much better tomorrow. Have a good night's kip and a lovely Christmashttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1 -
Thank youPennysIntoPounds said:Hope you feel much better tomorrow. Have a good night's kip and a lovely Christmas "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 -
I hope everyone had a lovely Christmas! My general grottiness has turned into a cold which is a relief actually as I was worried it would be worse due to feeling so off the other day.
We had a nice day yesterday, with our visitor on good form, plus today we've been off to see family. We're home now, and with all the cooking and socialising done, I feel my Christmas can finally start! I just want to laze around, get stuck into my new books and eat yummy Christmas food.
I was spoilt with a pile of books, some vinyl albums, and vouchers for kindle books. We have lots of goodies to work our way through as well as in my family we tend to exchange small consumable gifts rather than 'stuff', so we all get to enjoy some treats.
The kids were very happy with their gifts which is always nice to see.
My YG money got sent as a lovely festive PAD yesterday, as I thought if I waited until the new year I'd likely spend it! DH returned my PB money, so that's back in my savings account to give me a couple more days interest before I repurchase the PBs at the end of the month.
DH sold an item almost as soon as I did the relists the other day, so that is packed and ready to post. He was talking about getting stuck into the decluttering next year, so fingers crossed!"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 -
PAD (Payment a Day)
Today's PAD - £2, yesterday £52 🎄😁
Jan - £129
Feb - £63
Mar - £103
Apr - £149
May - £79
June - £145
July - £157
Aug - £81
Sept - £268
Oct - £83
Nov - £100
Dec - £141Car balance Sept 25 - £11,031 - now £8,858"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
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