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The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
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Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
All change for 2025
Comments
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December PADs are looking fantastic!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 £203.991 -
Thank you, I'm really pleased for an expensive month!Rhyddid2026 said:December PADs are looking fantastic!"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 -
A bit more tidying done this afternoon. Like many others I am starting to ponder on what I want to achieve next year. I'm also considering what can be decluttered in a last push before the end of the year!
I need to remember to repurchase my PBs before the end of the month."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 - £83
Nov - £100
Dec - £149Car balance Sept 25 - £11,031 - now £8,854"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 -
You've just reminded me to add decluttering to my New Year goals list. It was on this year's list too but I didn't get that far with it 🤣I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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I have repurchased my PBs this morning, so I'm looking forward to some wins next year!
We're off out bowling in a bit, I can top up my change using the change machines there. It's helpful for school stuff, and the odd bits throughout the year, plus the SW raffle.
I've done our home insurance renewal, saving around £60 on the renewal quote so that's a result."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 -
I want to ramp it up again next year, we seem to have been coasting for a while!Sun_Addict said:You've just reminded me to add decluttering to my New Year goals list. It was on this year's list too but I didn't get that far with it 🤣"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 -
Thanks for the PBs nudgeIf 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) 25/07/20250
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