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2026 - consolidation and calm
Comments
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So relieved you paid that odd £1 off! 😄
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 -
I know, it was annoying me 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 McGee2 -
PAD (Payment a Day)
Today's PAD - £16
Jan - £172
Feb - £167
Car balance Sept 25 - £11,031 - now £8,392
"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 -
A nice PAD today because the lottery money arrived and I automatically sent it to the car. I then had to do another one to the mortgage as that was where it was meant to go 😂
I'm looking ahead to being in the £7ks soon! I still have a normal CC payment to make which will be due in the next few days so that will get me closer again.
Little miss's parents evening last night, and despite the social challenges, she's been doing really well at school and is ahead of expectations on most things. 😍 I did have a good chat with them about the unkindness and her upset recently, and they explained everything that they are doing to try and tackle it. I think they are genuinely trying to make an effort to help her socialise with a wider range of children, and she's been much happier the last couple of weeks so it's helping. They are also cracking down on a lot of the bad behaviour from some of the boys so hopefully that side will improve too. I feel like they are on it, so will see how things go. Positive overall, and it's good to see her feeling happier again.
"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 McGee9 -
So pleased to hear things are improving for Little Miss jwil
❤️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/p11 -
That's sounding really positive for Little Miss. PADs for February are brilliant, what a great start to the year.
I get knocked down but I get up again (Chumbawamba, Tubthumping)1 -
Ah lovely to hear that Little Miss is doing well and school are trying to be supportive (that's half the battle usually).
Great progress with the PAD and car payment too - you are smashing it :)
Debt Free: 6th November 2025!! 🥳
Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £232,212.93
2026 goals:
26 books (4)
26lbs lost (2)
£26k sinking funds & savings (£5.8k)
£2600 mortgage o/p (£600)
20,600 exercise and meditation minutes (3k)
2.6l water a day
2026 Top Cashback accrued: £6.46
Nectar: £118.08
Boots: £1.99
DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum1 -
Glad to hear that the school are being supportive. As it should be.
Fantastic pads.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 -
Good to hear little miss is doing well at school . Hopefully the things being put in place for her help .
Life is an adventure, never stop exploring.1 -
Thank you 😊 Hope it continues.
Thank you 😊 I'm loving the PADs, it would be great to maintain it throughout the year.
Thank you 😊 I'm really pleased that the school are being proactive. I'm so pleased with the PADs and the car too!
Thank you 😊 I'm really pleased. We hear so many horror stories about schools not doing anything, but ours is lovely.
Thank you 😊 I'm really hoping it helps, it seems to be so far.
"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 McGee0
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