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2026 - consolidation and calm
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PAD (Payment a Day)Today's PAD - £2
Jan - £145
Car balance Sept 25 - £11,031 - now £8,549"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 -
It's so nice to be on leave!! I've got a whole week to myself which feels like a lovely treat! Fingers crossed no one gets the plague for the next week.
Work has been so tough, so I'm glad to be off, even though it's probably bad timing. I'm not going to worry about it until I go back.
Our microwave almost caught fire the other day so that has been decluttered. I've just ordered a replacement and we'll pick it up tomorrow. I do use it a lot, particularly in the week for quick lunches, so I've missed it!
I got over my spending block the other day, and ordered a special edition vinyl box set that I have been coveting. It got discounted by £15 which is the cheapest I'd seen it. It was covered by my Christmas gift vouchers, so although it was still expensive, it didn't cost me anything! I got bored of looking for bags too so just got the cheap one I'd been looking at. It's not too bad actually, and I'll find something nice another time.
So I've had a lovely time this morning listening to my new vinyl and just pottering around
I walked the dog this morning and walked to school too, so I've had some exercise too. I'm just going to gather up a bag of stuff to take to the clothing bank at school as I checked this morning and it's empty "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 McGee7 -
Sounds like a good wee day.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. 19months left.1 -
Enjoy your week off, sounds like you've earned it! We have cases of chicken pox and shingles reported where I work.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Thank you, it's been nicebeanielou said:Sounds like a good wee day.
Thank youSun_Addict said:Enjoy your week off, sounds like you've earned it! We have cases of chicken pox and shingles reported where I work. Eek to the chickenpox/shingles! "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 -
Oooo that sounds like a lovely day! I hope you get many more like it.Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.761 -
Thank youRhyddid2026 said:Oooo that sounds like a lovely day! I hope you get many more like it. I hope so too! "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 - £2
Jan - £147
Car balance Sept 25 - £11,031 - now £8,548"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 -
New microwave collected today, and various bits of shopping done.
1/2lb lost for me today which is ok but I would have liked more!
The weather is horrible here, everywhere is flooded or waterlogged. I was hoping to get out and about this week, but not sure I'll be doing much as we have rain warnings for a good part of the week, so the water levels aren't likely to be reducing. I'd considered going to the coast on the train but the line's closed. Hibernating it is then!
Hope it's not too soggy/windy/icy elsewhere."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 McGee7 -
Well done on your loss - we always want more! I've had a Maintain for the last 2 weeks even though I've stuck to plan. I find it really frustrating but hoping it will come off next week!3
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