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2026 - consolidation and calm

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Comments

  • jwil
    jwil Posts: 23,984
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    "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: 23,984
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    PAD (Payment a Day)

    Today's PAD - £22

    Jan - £172

    Feb - £203

    Mar - £143

    Apr - £67

    May - £108

    Jun - £188

    Jul - £78

    Aug - £142

    Sep - £42

    Car balance Sept 25 - £11,031 - now £6,939

    "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: 23,984
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    Lovely PAD today due to a survey cashout, but it's gone to the xmas pot rather than the car. A nice top up for that though!

    Little jwil is back to school today, hurrah. I have a busy day though and am out for a meeting. I'm off the rest of the week though.

    "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
  • beanielou
    beanielou Posts: 101,447
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Great pad.

    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]
  • Sun_Addict
    Sun_Addict Posts: 26,307
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    I love a day out to myself. No explaining to anyone why you're going in a particular shop and being able to take your time because no one is rushing you. I love a coffee by myself too.

    I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
  • jwil
    jwil Posts: 23,984
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    Thank you 😁

    It was lovely, I spent ages just browsing. I enjoyed just sitting in the cafe with my kindle, relaxing.

    "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: 23,984
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    PAD (Payment a Day)

    Today's PAD - £2

    Jan - £172

    Feb - £203

    Mar - £143

    Apr - £67

    May - £108

    Jun - £188

    Jul - £78

    Aug - £142

    Sep - £44

    Car balance Sept 25 - £11,031 - now £6,938

    "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: 23,984
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    Little miss has gone off on her residential. She was a bit nervous bless her. It's the first time she's stayed away from home without us.

    Poor little jwil has been back at school one day and his toes are in a mess again. So I'll need to get on to the GP again. He can't go on like this!

    I'm on the start of my 3 days off. I went to get my shopping this morning, it's much easier getting it delivered 😆 I bought quite a few tins so that doesn't help. I'm just going to relax with a book or the tv today. I'm shattered.

    "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: 9,245
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Forumite

    Enjoy relaxing for the rest of your day jwil.

    Hope little jwil’s feet can get sorted soon and little miss enjoys her residential

    ❤️Mum 2018
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗

    Retired at 55 & now living off the equity £10k a year

    ❤️Dad 2025

    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
  • jwil
    jwil Posts: 23,984
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    Thank you 😊 Coincidentally little jwil has receieved a referral to the hospital today for his feet, so I didn't need to grump at the GP and hopefully we'll get an appointment soon!

    "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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