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  • jwil
    jwil Posts: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the bulbs. I have more to plant too.
    Thank you.  I hope some of them grow!  I don't think all will.
    "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: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PAD (Payment a Day)

    Today's PAD - £2

    Jan - £119
    "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: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PAD (Payment a Day)

    Today's PAD - £2

    Jan - £121
    "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
  • Your day sounds lush. Love a good tidy round.

    Well done on number 1! Are you learning for a reason, travel or to communicate with someone you know, or just for fun? Sorry if you’ve mentioned in your diary previously, I’ve read your diary from the start but I don’t seem to retain info like I used to :/
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £236,171.58

    2025 goals:
    20 / 25 books
    10 / 25lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • beanielou
    beanielou Posts: 95,574 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done no 1. 🤩
    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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • jwil
    jwil Posts: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your day sounds lush. Love a good tidy round.

    Well done on number 1! Are you learning for a reason, travel or to communicate with someone you know, or just for fun? Sorry if you’ve mentioned in your diary previously, I’ve read your diary from the start but I don’t seem to retain info like I used to :/
    I can't say I love tidying around but it always feels better when done :D 

    I'm just learning for fun.  I've always wanted to be multilingual but never made any real effort.  I thought I'd start with French as I've studied it a bit in the past at the OU so thought I could build on everything that I've forgotten!

    Don't worry, I forget/miss things on diaries as well.
    "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: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Well done no 1. 🤩
    Thank you :grin:  I'm not sure I'll be repeating it, though I will have more time this week :D 
    "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
  • NeverendingDMP
    NeverendingDMP Posts: 2,205 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Well done on the organizing and the duo. And your PADs this month are amazing 
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
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