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2026 - consolidation and calm
Comments
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Yey!! Finally!! I've waited so long!! 🤣🤣🤣
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 £2502 -
😂😂😂 It's October now, I'm back padding properly, it won't be so long to get to the next £50!
"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 - £3
Jan - £172
Feb - £203
Mar - £143
Apr - £67
May - £108
Jun - £188
Jul - £78
Aug - £142
Sep - £180
Oct - £3
Car balance Sept 25 - £11,031 - now £6,744
"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 McGee1 -
Happy October! I can't believe it's this late in the year.
Plan for this month is to keep on top of surveys to get that car balance down.
A little bit of interest to add to my pad today.
"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 -
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 - £180
Oct - £5
Car balance Sept 25 - £11,031 - now £6,743
"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 - £13
Jan - £172
Feb - £203
Mar - £143
Apr - £67
May - £108
Jun - £188
Jul - £78
Aug - £142
Sep - £180
Oct - £18
Car balance Sept 25 - £11,031 - now £6,731
"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 McGee4 -
A survey cashout to add to the PAD today.
I had a lovely quiet day yesterday just doing a few things around the house. It's improved the look of a couple of areas. I also managed to pick up a Lidl fruit and veg box, after also getting one last week. Quite chuffed with that, as they are rarely there when I am!
Today I suggested that we go out for a couple of hours to a NT place, have a walk and visit the cafe. With faffing around, we have been out all day. That meant I had to charge my car and we also had to buy lunch, so a nice couple of hours out has turned into an expensive day! We did manage to pick up a replacement pasta bowl as one of ours broke the other week, so that is handy.
So flipping annoying though, we had to drive around to find a charger as for the first two places we went to, all the EV charging spaces were taken up by people either not charging or not driving EVs 😡
In good news for me though, I lost 5lb at SW today! 🥳😁 Most of that is getting off previous gains, but there's a bit of an additional loss though so I'm ahead of where I've been previously. I've never had such a big loss. Let's hope it continues!
"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 -
Brilliant weight loss news, well done!
Great PAD, and making your pad nicer 😊
Is there anywhere you can report non EV vehicles parking in EV spaces?
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty1 -
Great loss. EV spaces are obviously like disabled spaces. Bah.
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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]1 -
Well done on the weight loss. Glad you enjoyed your day and eventually found a charger.
Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Sept 26- just under 62k
June 25 Debts in my name were £5170. Now 6122 (Oct 26)
DH debts ?? at a guess £15k1
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