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All change for 2025
Comments
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PAD total for 2025 - £1508! That's an average of £125 a month
I don't even notice it coming out of the account by paying a little each day
"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 McGee5 -
That is amazing. Well done you!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 -
Happy NYE!
I feel like a new person today, as I had a good night's sleep for the first time in weeks.
We're having a lazy day today, just pottering around. I've sold an item so DH has popped to post it for me.
I've been updating all the financials this morning, as it is also pay day. I'll wait for final totals in case I do any spending before the day is out. Same with the declutter totals as we are still adding stuff!
I've upped my elec and gas DD by £10 a month, not quite as much as they are suggesting, but I don't like being hugely in credit, and can top up if I need to. It shows that the EV isn't having a huge impact on our bills, as I've had the heating on more than last year too."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 -
Thank youdoingitanyway said:That is amazing. Well done 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 McGee0 -
Happy New Year @jwil !
What a fantastic year of PADing.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 -
Thank you, and Happy New Year to you tooRhyddid2026 said:Happy New Year @jwil !
What a fantastic year of PADing. "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 -
Declutter update:
1330. Bird feeder
1331-1338. Socks
1339. Jewelery box
1340. Trousers
1341. Phone cable
1342. Loofah
1343-1344. Cars
1345. Pen
1346. Car
1347. Playmobil
1348-1362. Track pieces
1363. Slot car
1364-1365. Hand controllers
1366. Hamper
1367. Car
1368-1377. Clothing
1378. Packaging
1379. Artwork
1380. Book
Declutter totals:
Magazines/papers: 154
Other: 1380Total: 1534
Ebay listings: 191
Ebay parcels: 163Survey/other earnings:
Amazon: £25
Paypal/cash: £201.62
Other vouchers:£0"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 -
Happy new year jwil, hope this one sees good mental health (and all health) for all the family, and that the car debt is in the rear view mirror soon as can be 🍻1
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Thank youPennysIntoPounds said:Happy new year jwil, hope this one sees good mental health (and all health) for all the family, and that the car debt is in the rear view mirror soon as can be 🍻 Happy New Year to you too "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 -
Happy New Year to you all, I hope 2026 is happy, healthy and prosperous for all.
I've decided to start a new diary for the new year: https://forums.moneysavingexpert.com/discussion/6648302/2026-consolidation-and-calm#latest
I'd love it if you'd join me over there "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
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