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 - £2
Jan - £172
Feb - £203
Mar - £134
Car balance Sept 25 - £11,031 - now £8,090
"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 -
Those PADs are amazing so far this year. You must be well on track to beat last year’s total. It just goes to show how those small amounts add up.
I get knocked down but I get up again (Chumbawamba, Tubthumping)1 -
Thank you 😊 It really does add up doesn't it. I'm very pleased with them!
"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 - £3
Jan - £172
Feb - £203
Mar - £137
Car balance Sept 25 - £11,031 - now £8,088
"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 -
I'm so tempted to take £89 out of my savings to get into the £7ks, but I'm not going to, I'll be there next month anyway.
Happy Friday! I'm very glad it's the end of the week. I am hoping for a quieter weekend at home this week, we seem to have been out and about and doing lots of peopling over the last few weeks. I'd like to get stuff done at home.
No sod it visits to the seaside for me today, I feel shattered, so just want to relax today in peace. Yesterday me gave today me a gift of ensuring the kitchen was all tidy so I am very grateful to that this morning. I have hoovered round, and want to sort out the financials this morning.
It's coming up to 7 years to my planned retirement date, so I want to ramp things up to make sure it's achievable. It's fine in terms of the pension, but it will be where I am in terms of mortgage, debt and savings, and what the kids decide to do with their lives. It still likely means that I'll leave my current job and look for something part time rather than fully retiring but that will be a break in itself.
I've agreed to go away for a conference with work. That will be the first time I've been away from the kids overnight ever! My first alone night time in over 14 years - I can't wait 😂 It will be two nights in what looks like quite a posh hotel.
"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 McGee5 -
I hope you’re planning for and looking forward to an undisturbed bath. That was always my biggest treat if i was working away while my two were youngish.
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 -
So glad you are getting some time just for you.
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 -
Cor that trip sounds nice. Can we all come 😂
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1 -
Ooh I never thought of that. I'm not really a bath person but I might be persuaded if it's nice and posh! Thank you.
It will make a change!
Yes, I'll sneak you all in 😁
"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 -
Ooh enjoy that! I just love an in disturbed night’s sleep if I go away with work, which isn’t very often. Just drives me mad that they plan so much socialising in around the work meaning there’s not much time left to just switch off. I really need downtime each day just to function properly.
2
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