We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
All change for 2025
Comments
-
Woo hoo! We have sofas
"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 -
Hurrah. Enjoy.jwil said:Woo hoo! We have sofas 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]2 -
Enjoy them 😀Sealed pot challenge 822
Jan - £176.66 :j2 -
Enjoy the new comfiness.2
-
Oh lovely, I bet they look fabulous in the newly decorated room
Debt Free: 6th November 2025!! 🥳
Mortgage (MFD 06/2045) (Jan 25) £238,983.71. Current: £225,000. Remortgage due July 2031. 19 years remaining.
Emergency funds and sinking funds (£5,100)
Credit Union Savings (£300)
Pension - paying in 19% (emp contribution included)
DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum3 -
PAD (Payment a Day)
Today's PAD - £8 (survey cashout)
Jan - £129
Feb - £63
Mar - £22"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 everyone, I was so worried they'd turn up and we'd hate them or find them really uncomfortable, but all good. The kids love the recliners, and actually I do too, not thinking I would! We still need to reorganise the front room and DH needs to deal with his stuff, but they were a good purchase.
I'm feeling a lot more organised and on top of things this week. I've managed to catch up with some stuff that's been hanging over me at work, and I've got back into doing surveys hence the cash out.
I'm still doing my challenges on the app the GP sent me, and am liking it. It is giving me the nudge to do a little more, and I'm definitely starting to feel the benefits. Unfortunately my weight isn't but I'm kind of used to that now, and it's more important to me to be fitter and stronger and hopefully the weight will follow. I can see that I'm starting to change my mindset towards walking to school - now thinking it's easier to walk and not battle the traffic/parking, than it's quicker to drive - so that's good and long may it last. I'm finding it much easier to get up and down off the floor now, and little things like that - so I'm really pleased I can see progress. The good weather has definitely helped my motivation, so hopefully I can stick to these new habits when it's not so good!
The lack of council tax is helping me start replenish the savings so that's good too, I'm hoping to have a fairly quiet month without spending too much just to keep them in place. The boiler still has its puddle underneath, but I'm still hopeful it's the condensate pipe, so hopefully that will resolve over the next few days as it's meant to be milder.
It's been nice putting the washing out on the line again and having it dry! Saves using the TD."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 McGee10 -
Well done on the water meters, the clear out, and decorating. Glad you are enjoying your new sofas.
Well done on the PADs too.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20282 -
PAD (Payment a Day)
Today's PAD - £2
Jan - £129
Feb - £63
Mar - £24"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 -
Thank yousavingholmes said:Well done on the water meters, the clear out, and decorating. Glad you are enjoying your new sofas.
Well done on the PADs 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 McGee2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.7K Banking & Borrowing
- 254.9K Reduce Debt & Boost Income
- 456.1K Spending & Discounts
- 248.3K Work, Benefits & Business
- 605.8K Mortgages, Homes & Bills
- 179K Life & Family
- 263.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards