We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
2026 - consolidation and calm
Comments
-
PAD (Payment a Day)
Today's PAD - £3
Jan - £172
Feb - £203
Mar - £52
Car balance Sept 25 - £11,031 - now £8,104
"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 -
PAD (Payment a Day)
Today's PAD - £2
Jan - £172
Feb - £203
Mar - £52
Car balance Sept 25 - £11,031 - now £8,103
"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 -
I went to a funeral of an ex colleague yesterday. Only in their 50s, so sad. They had a lovely turnout though so we saw people we hadn't seen for years.
I came home to a letter from my CC saying I was 2 months in arrears - I am most definitely not! Tried calling, no luck, so went on online chat, they say my account is not showing any arrears or charges, they can see all the payments I've made so it seems to have been a system error with payments done over the weekend. I have no idea what to think but everything looks ok in the app, so hopefully that's it. Very annoying though!
"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 -
Oh that's very niggly annoying. But the PAD on the car is looking excellent!!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes1 -
Check your credit reports just to be on the safe side.
1 -
Good idea to check your credit file. I use the MSE one as it’s free.
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 -
Sorry to hear about the funeral jwil. So sad.
Are you sure the letter is actually from your CC company? If it’s asking for payment is it actually the correct payment details for your cc ? I would send a copy, with a letter of complaint and a copy of your current statement to the complaint address on your cc website and ask for them to investigate. If they sent it to you in error point out how much anxiety and upset they have caused you and ask them for a goodwill gesture!
❤️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/p13 -
It is annoying! Car balance is going down nicely though, thank you!
Good idea, I will do thank you. I also use the MSE one.
Thank you. Yes, it's definitely from them, it is in my statement and is showing on the online version of the statement. I don't normally get paper statements from them. The statement itself looks fine but there's an extra page saying that I haven't made the payments, even though they show on the statement, and I got an arrears notice as well. I'm wondering if it's because I always pay as soon as it shows in the app, so maybe I'm paying too quickly!
I might write to them and complain. I didn't have the energy to do much on Monday other than confirm it wasn't right. I don't want to risk losing my 0%
"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 -
PAD (Payment a Day)
Today's PAD - £2
Jan - £172
Feb - £203
Mar - £54
Car balance Sept 25 - £11,031 - now £8,102
"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 -
so close to being into a lower hundred
Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.2K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.8K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards