Ready, steady… save!
You don’t need a chart to join in. Here are 2 ways to record your savings:
1. Cross it off
Pop a chart into your first post. Saved an amount? Cross it out! Read more »
£0.01 £0.02 £0.03
2. Write it down
Skip the chart and add updates to your first post. Read more »
“Another +£3 saved today. Go me!”
Use +£ before each new saving so it counts towards your total.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2026 - consolidation and calm
Comments
-
Well done little jwil.
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 9 months left.1 -
Thank you, he did well!
"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 - £172
Feb - £31
Car balance Sept 25 - £11,031 - now £8,513
"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 -
Happy Tuesday! I've decided against going into the office today, I'll be more productive at home.
I won £100 on PBs! That's the first win in 3 years. I offered to give half to DH as he has shared his winnings with me, but he said no, so I'll need to decide what I do with it when it arrives.
I also see that the mortgage company has done the fees payment as I requested so I don't need to put on my compo face there.
"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 McGee8 -
Good news on the fees payment & the pb win.
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 9 months left.3 -
PB win and no compo face need, what a great day 🥂
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Little jwil has made dinner and you won on the PBs. Definitely a good day
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
Yay to the pb win & mortgage company doing their job 🥳
Retired at 55 & now living off the equity £10k a year
❤️Mum 2018 ❤️Dad 2025
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. 🤗
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/p11 -
Wow! Such great progress with PADs, PB wins, weight loss, reflections on last year and focus on this year… and a very quickly diminishing car loan!
Great to catch up, hope you are well :)
Debt Free: 6th November 2025!! 🥳
Mortgage (MFD 06/2045) (Jan 25) £238,983.71. Current: £225,000. Remortgage due July 2031. 19 years remaining.
Emergency funds and sinking funds (£5,100)
Credit Union Savings (£300)
Pension - paying in 19% (emp contribution included)
DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum1 -
You are doing very well on the car balance.
Updated last day of the month… reducing debt and improving wealth…
Mortgage (5.24%): starting at -£222,469 (Jan 26) now at -£219,350 (Nov 26)
Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£6,900 (Nov 26)
Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 26)
Emergency Fund: starting at £5,511 (Jan 26) now at £2,650 (Nov 26)
Jan 27 Tax Fund: £3,000 / £3,298 (Nov 26)
Net Debt: starting at -£203,926 (Sep 26) now at -£201,700 (Nov 26)
1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.9K Banking & Borrowing
- 255K Reduce Debt & Boost Income
- 456.2K Spending & Discounts
- 248.4K Work, Benefits & Business
- 606.1K Mortgages, Homes & Bills
- 179.1K Life & Family
- 264K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards