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.
2026 - consolidation and calm
Comments
-
If I was looking for something special then I would, but when I'm looking to spend a couple of £ on a basic item, it's not worth the time or effort to me.
I agree, it's all marketing spin, but there do seem to be enough people out there who do buy an awful lot of clothes! When I buy something I wear it to death and then only replace if I have to. All of my clothes fit in two drawers 😂
Exactly this, what I want never seems to exist and I get so fed up with endlessly scrolling to try and find something vaguely suitable.
"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 -
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 - £153
Car balance Sept 25 - £11,031 - now £6,753
"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 McGee6 -
I've been eagerly watching and waiting for that figure to drop below £6,750
😄
Debts 04/01/25 01/10/26
CC1 £14,122.71 -
CC2 - £6,975
CC3 £6,112.60 £6,495
1st Direct CC £176.03 £151.44
CC total £20,411.34 £13,621.44
OD £1100 £0
Car loan £4,000 £2,400
1st Direct Loan £10,684.44 £3,825
Total £36,195.78 £19,846.44
EF £2,800
HF £3
EB £2501 -
I'm definitely getting back to padding the car after payday, I'm so close now 😂
"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 -
PAD (Payment a Day)
Today's PAD - £9
Jan - £172
Feb - £203
Mar - £143
Apr - £67
May - £108
Jun - £188
Jul - £78
Aug - £142
Sep - £162
Car balance Sept 25 - £11,031 - now £6,752
"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 -
Another survey cashout to add to today's PAD. I'm pleased with how much I've cleared from the ipads, and the back pay and some contribution from DH should cover the rest after payday so I can get back to the car.
I've got enough to cash out again, so that can go tomorrow. DH and I also won £1 each on the lottery so that huge overpayment will go to the mortgage - it all counts!
I'm feeling grotty today, so a quiet day with a book and a hot water bottle is planned. I need to prep a few things for the week, but not much else!
I gained 1lb yesterday, so need to be properly back on it this week, as I don't want to slide. I've planned food, and have a busy week, so hopefully a combination of both will reduce the snacking.
"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 McGee6 -
PAD (Payment a Day)
Today's PAD - £11
Jan - £172
Feb - £203
Mar - £143
Apr - £67
May - £108
Jun - £188
Jul - £78
Aug - £142
Sep - £173
Car balance Sept 25 - £11,031 - now £6,751
"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 McGee3 -
Another survey cashout and £2 to the mortgage today in my PAD.
Busy week this week. I'm still feeling grotty and not sleeping well but this cold doesn't really seem to be coming to anything.
"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 McGee3 -
I’ve had the same cold - about a week and a half of swollen lymph nodes round my ears, bad sleep, feeling “not quite right” but amounting to not a lot. A few days of paracetamol kept me going at work and I stopped all exercise bar dog walking to rest my body and it seemed to work. Feel better now
DFW info LBM: March 26
Total 03/26 69,481
"You put one foot in front of the other and one day you look back and see that you have climbed a mountain" Ready for the climb.💪
1 -
Are you sure you don't have hayfever? Me and my friend have been streaming with it and baffled as to what is causing it!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty1
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
- 605.9K Mortgages, Homes & Bills
- 179K Life & Family
- 263.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards