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Comments

  • Rhyddid2026
    Rhyddid2026 Posts: 1,065 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    December PADs are looking fantastic!
    Debts                04/01/25       02/03/26  
    Natwest2           £6,509.97      £4,940 
    NatWest CC      £7,612.74       £6,465
    Lloyds CC          £6,112.60      £4,335
    1st Direct CC     £176.03         £33.94
    CC total             £20,411.34    £15,773.94
    TSB OD             £500              £0
    1st Direct OD     £600             £0
    Car loan             £4,000          £3,800
    1st Direct Loan  £10,684.44    £7,425
    Total                  £36,195.78    £26,998.94
    EF £1,500.38
    HF £175.54
  • jwil
    jwil Posts: 23,191 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Rhyddid2026 said:
    December PADs are looking fantastic!
    Thank you, I'm really pleased for an expensive 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 McGee
  • jwil
    jwil Posts: 23,191 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
  • Sun_Addict
    Sun_Addict Posts: 25,164 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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)
  • jwil
    jwil Posts: 23,191 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 🤣
    I want to ramp it up again next year, we seem to have been coasting for a while!
    "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
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks for the PBs nudge
    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • jwil
    jwil Posts: 23,191 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway said:
    Thanks for the PBs nudge
    You're welcome :)  Good luck with yours.
    "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: 23,191 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 - £151

    Car balance Sept 25 - £11,031 - now £8,853
    "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
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