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2026 - The year I sort my finances and declutter my life!
Comments
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£1k to get a clutch replaced that's a bit excessive I think - did you price around??
I got a clutch replaced in a Ford Galaxy few years back and only cost around £400 all in.
Clutch kits are in and around £200 and I don't think labour would be £800.
Get another couple of prices first and see.
Look what I have learnt over last few years as car is a car whether its a £1k car or £50k car they all do the same job and easy to run, keep and maintain the better for our pockets.
Get prices then weigh up options firstOD £2,500 cleared onto Money Transfer
MT 0% 20 months Jan26 £1,900 / £2,575
No. #20 - Save 1p A Day 2026 £92.07/ £667.95No. #6 - Fiver Friday Challenge for 2026 £102.50/£260
Invested £200 into Vanguard FTSE all world1 -
I am getting a few prices. My cousin was guessing and is getting some quotes for me so it might be wrong. He deals with a lot of cars in his trade. Mine is a mini cooper S and as much as it is a lovely drive, everything that goes wrong seems to cost! The guess was about £400 for the clutch itself and then they have to pull allsorts out to get to it.. a headlight cost me £50 not so long ago! Unfortunately the parts just cost a fortune on it!Debt as of 29/12/25
Overdraft: 1465.60 327.33
CC1: 866.75 500
CC2: 5699.85 5199.85
Total:8032.30 6027.182 -
Have a look in eurocarparts as you can input your registration and it will bring you clutch kits for your car type.bigbeff said:I am getting a few prices. My cousin was guessing and is getting some quotes for me so it might be wrong. He deals with a lot of cars in his trade. Mine is a mini cooper S and as much as it is a lovely drive, everything that goes wrong seems to cost! The guess was about £400 for the clutch itself and then they have to pull allsorts out to get to it.. a headlight cost me £50 not so long ago! Unfortunately the parts just cost a fortune on it!
OD £2,500 cleared onto Money Transfer
MT 0% 20 months Jan26 £1,900 / £2,575
No. #20 - Save 1p A Day 2026 £92.07/ £667.95No. #6 - Fiver Friday Challenge for 2026 £102.50/£260
Invested £200 into Vanguard FTSE all world1 -
I recently had a clutch replaced and was relieved when it came in just under £1300, I’d been quoted up to £1500. It’s not the replacement so much as the labour.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.3
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Under the duvet works for me most days too 😂😂😂bigbeff said:Hide under the duvet and pretend its not happening?!😂
I don't know. I think its time to say goodbye to my mini, its served me well, but I have been slowly losing faith in it for longer journeys.
And spending more last time meant car has lasted me so much longer than others (no guarantee i know). I am just trying to sort myself out though... i didn't really want to borrow more!
would you get a low interest loan? It’s an awful dilemma for you 😢#no 3 Debts off by Xmas 2026 £15,250 PAID restart £12,500NSD May 5/22
#no 13 365 days 1p challenge 2026 120/ 365
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £12,500
1% challenge = 100% paid RESTART / £12,500
1% -
#cc1 4100 PAID
#cc2 NatWest 3400 PAID
#cc3 Halifax 2150 PAID
#cc4. MBNA 0/2000 0% runs out soon
#loan1 14000 PAID
#loan2 0/10,500 13%
#family loans 4600 PAID#solicitors 8000 PAID
Crisis fund 500/10001 -
I think I would need to get a low interest loan. Currently still weighing up options. Luckily (or unluckily for him) my brother is going in for an op on Wednesday and won’t be able to drive for a couple of weeks so is letting me borrow his car while I contemplate. 🤔ThriftyPrincess40 said:
Under the duvet works for me most days too 😂😂😂bigbeff said:Hide under the duvet and pretend its not happening?!😂
I don't know. I think its time to say goodbye to my mini, its served me well, but I have been slowly losing faith in it for longer journeys.
And spending more last time meant car has lasted me so much longer than others (no guarantee i know). I am just trying to sort myself out though... i didn't really want to borrow more!
would you get a low interest loan? It’s an awful dilemma for you 😢Debt as of 29/12/25
Overdraft: 1465.60 327.33
CC1: 866.75 500
CC2: 5699.85 5199.85
Total:8032.30 6027.184 -
Can you sorn your car while using your brother’s and use any savings towards the necessary repairs?Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.1
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