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2026 - consolidation and calm
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Little miss still isn't 100% right, so she's home today. I think she'll be fine to go back tomorrow.
It's nice not to have to do the school run! I want to make good progress today, as I really want to get a lot completed before my leave."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 -
Glad little miss on the road to recovery. So many sickness/virus type things going round , hard to avoid x1
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Thank youNewstartforme said:Glad little miss on the road to recovery. So many sickness/virus type things going round , hard to avoid x
Yes, there is a lot going around. Roll on spring! "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 -
PAD (Payment a Day)Today's PAD - £32
Jan - £141
Car balance Sept 25 - £11,031 - now £8,551"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 -
Lovely PAD today thanks to the lottery win! I've paid it to the mortgage
Little miss is back to school today, and little jwil is off on a school trip. Thankfully it's indoors as it's chucking it down here!
Two working days left (including today) and then I'm on leave. Not that I'm counting
"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 -
Great PAD you are very disciplined with them . Glad little miss is a bit better , my GC have had lots of bugs . When I go in school I’m forever washing my hands . Well done on your weight loss as well .Life is an adventure, never stop exploring.1
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Ooh nearly to the half a grand mark on the PADs!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael2 -
Glad to hear things are steadily improving for you jwil. Not long now until annual leave 🥳❤️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/p12 -
I really do love the whole PAD thing, have been trying to do it as well. I have made a widget on my budgeting app to track no spend days, and I think tonight I will do one for tracking PAD`s as well Gamifying things helps me
Halifax CC - £2591.41 / £2591.41
Virgin CC - £6094.33 / £6094.33
Barclaycard CC - £7991.29 / £7991.29
Santander CC - £6233.91 / £6333.91
M&S CC - £3868.42 / £3868.42
Natwest CC - £723.43 / £723.43
Natwest CC - £4115.00 / £4115.00
£31,647.79 / £31,717.79 (99.7%) Since 14/12/2025
Emergency Fund : £553.22 / £60003 -
Thank youSunshine_girl2 said:Great PAD you are very disciplined with them . Glad little miss is a bit better , my GC have had lots of bugs . When I go in school I’m forever washing my hands . Well done on your weight loss as well . I am diligent about washing my hands too, so much going round at the moment.
It's a nice month for them!PennysIntoPounds said:Ooh nearly to the half a grand mark on the PADs!
I'm now on leaveSkint_yet_Again said:Glad to hear things are steadily improving for you jwil. Not long now until annual leave 🥳
ryandotdee said:I really do love the whole PAD thing, have been trying to do it as well. I have made a widget on my budgeting app to track no spend days, and I think tonight I will do one for tracking PAD`s as well Gamifying things helps me
I love it too, it keeps me motivated! Gamifying it is a great idea, well done with yours!"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
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