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  • jwil
    jwil Posts: 21,949 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 - £138
    "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
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,443 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Well done on the weight loss jwil 🤩

    Sorry to hear about the parcel item. I once bought an item on the bay and when the box arrived the main part was missing. This was a boiler timer (not new) with the timer part missing! Thankfully I got a refund from the bay as the seller did not reply. Must be so annoying as a seller if you get a customer who rips you off   😕😕
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • ladyholly
    ladyholly Posts: 3,933 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well done on the weight loss jwil 🤩

    Sorry to hear about the parcel item. I once bought an item on the bay and when the box arrived the main part was missing. This was a boiler timer (not new) with the timer part missing! Thankfully I got a refund from the bay as the seller did not reply. Must be so annoying as a seller if you get a customer who rips you off   😕😕
    Unfortunately sellers have no protection from scammers so even if you are absolutely certain about something it is not worth arguing.
  • ladyholly
    ladyholly Posts: 3,933 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    jwil said:


    Well, as a huge surprise, I lost 4.5lb this morning!  That's never happened before.  I was really hoping for a measly half a pound, but expecting a maintain or gain.  Maybe I sweated it all off walking down this morning :D 

    That's given me a nice boost anyway.

    In less nice news, someone is claiming something is missing from a high value parcel which was sent overseas.  'Coincidentally' it is the rarest piece, and they also deal in these items.  I know it was there as I packed the parcel!  But I can't prove it.  I've told them to return it.  It's DH's item obviously, so he's not impressed either.  It's been a long time since we've had any hassles like these, but it reinforces that I want a life with less 'stuff' to deal with!
    Huge congratulations on your weight loss. You never know until you stand on the scales.

    Sorry to hear about your selling problem. Unfortunately there will always be people who push their luck.

  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great loss. Well done. 
    Boo to the rogue buyer. 
    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: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the weight loss jwil 🤩

    Sorry to hear about the parcel item. I once bought an item on the bay and when the box arrived the main part was missing. This was a boiler timer (not new) with the timer part missing! Thankfully I got a refund from the bay as the seller did not reply. Must be so annoying as a seller if you get a customer who rips you off   😕😕
    Thank you.  It's also annoying as a buyer when you get scammed!  That must have been frustrating with the boiler timer.

    ladyholly said:
    Well done on the weight loss jwil 🤩

    Sorry to hear about the parcel item. I once bought an item on the bay and when the box arrived the main part was missing. This was a boiler timer (not new) with the timer part missing! Thankfully I got a refund from the bay as the seller did not reply. Must be so annoying as a seller if you get a customer who rips you off   😕😕
    Unfortunately sellers have no protection from scammers so even if you are absolutely certain about something it is not worth arguing.
    Agree, it's just so frustrating.

    ladyholly said:
    jwil said:


    Well, as a huge surprise, I lost 4.5lb this morning!  That's never happened before.  I was really hoping for a measly half a pound, but expecting a maintain or gain.  Maybe I sweated it all off walking down this morning :D 

    That's given me a nice boost anyway.

    In less nice news, someone is claiming something is missing from a high value parcel which was sent overseas.  'Coincidentally' it is the rarest piece, and they also deal in these items.  I know it was there as I packed the parcel!  But I can't prove it.  I've told them to return it.  It's DH's item obviously, so he's not impressed either.  It's been a long time since we've had any hassles like these, but it reinforces that I want a life with less 'stuff' to deal with!
    Huge congratulations on your weight loss. You never know until you stand on the scales.

    Sorry to hear about your selling problem. Unfortunately there will always be people who push their luck.

    Thank you :)

    beanielou said:
    Great loss. Well done. 
    Boo to the rogue buyer. 
    Thank 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 McGee
  • redofromstart
    redofromstart Posts: 5,836 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Well done on the loss, hopefully it will motivate you to keep it going.
  • Sun_Addict
    Sun_Addict Posts: 24,043 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news you’ve lost weight especially when you thought you hadn’t - well done 🥳 

    How annoying about the buyer 😞

    PADs looking fabulous as always, great result this month. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    I'm pleased for you with your weight loss. That is great. Remember your pattern of weight loss so you won't feel despondent if one week you do not lose. You should catch up in the end...

    That is bad karma for that buyer for sure
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the loss, hopefully it will motivate you to keep it going.
    Thank you, hopefully!

    Great news you’ve lost weight especially when you thought you hadn’t - well done 🥳 

    How annoying about the buyer 😞

    PADs looking fabulous as always, great result this month. 
    Thank you, I'm pleased with the PAD result this month!

    I'm pleased for you with your weight loss. That is great. Remember your pattern of weight loss so you won't feel despondent if one week you do not lose. You should catch up in the end...

    That is bad karma for that buyer for sure
    Thank you, yes I will try and remember the pattern and not get put off.
    "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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