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2026 - consolidation and calm

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Comments

  • dawnybabes
    dawnybabes Posts: 3,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    my son wanted to do a Russian GCSE was most bizarre as he wasn’t doing any languages (ASD so managed to get exempt from it)

    Sealed pot challenge 822

    Jan - £176.66 :j
  • beanielou
    beanielou Posts: 100,477 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    My DS learnt mandarin at one point.

    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. 14 months left.
  • Rhyddid2026
    Rhyddid2026 Posts: 1,385 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    I've always wanted to learn Russian. My ancestors were Armenian but I figured learning Russian would be more useful than Armenian.

    Debts                04/01/25       01/06/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £10,200
    Lloyds CC          £6,112.60      £3,795
    1st Direct CC     £176.03         £0
    CC total             £20,411.34    £13,995
    OD                     £1100            £0
    Car loan             £4,000          £3,000
    1st Direct Loan  £10,684.44    £5,275
    Total                  £36,195.78    £22,270
    EF £2,210
    HF £1.06
  • jwil
    jwil Posts: 23,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I really got into Russian history and literature when I was at college and so it's always stayed with me. I'll try it one day!

    They do Mandarin at little jwil's school, though he isn't. Little miss has tried Japanese and South Korean on Duo.

    "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 McGee
  • jwil
    jwil Posts: 23,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I'm trying to do some more listing but the laptop or ebay is so slow. I've been browsing new ones but I shouldn't really. I do need to buy a new monitor for my work setup though as the kids highlighted that the current one was making a noise. The connection for the power cable has been dodgy for a while.

    I could get one from work but I prefer to have what I want at home, and then of course I can use it myself too. It looks like I can get a new one relatively cheaply from Argos so I will probably do that.

    "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 McGee
  • any nectar points or cash back available?

    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • beanielou
    beanielou Posts: 100,477 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Oh yes. Nectar points.

    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. 14 months left.
  • jwil
    jwil Posts: 23,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    "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 McGee
  • jwil
    jwil Posts: 23,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    PAD (Payment a Day)

    Today's PAD - £2

    Jan - £172

    Feb - £183

    Car balance Sept 25 - £11,031 - now £8,290

    "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 McGee
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