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2026 - consolidation and calm
Comments
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Great idea.doingitanyway said:I put some lights up in my little kitchen. They will be staying as they make me feel happier
Nice for youngsters to part with toys to give to other childrenI 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. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
I kept the ones up around my work computer as well, we need a little cheer!doingitanyway said:I put some lights up in my little kitchen. They will be staying as they make me feel happier
Nice for youngsters to part with toys to give to other children
Thank youHumdinger1 said:Subscribed and happy new year @jwil! Love Humdinger xx
Happy new year to you 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 McGee1 -
PAD (Payment a Day)Today's PAD - £2
Jan - £31
Car balance Sept 25 - £11,031 - now £8,702"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 -
Ugh! Back to school, work etc and the endless juggling.
I'm heading into the office today. Taking packed lunch too, though I am going to drive so will have to pay for parking.
Still bitterly cold here but no snow. Hope everyone is doing ok where they are."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 -
We have had a good dump of snow sadly. As I live in abit of a hilly area it can be a pain. GD who lives the other side of the village was halfway to school (secondary)when she was notified the school wouldn’t be opening today, thankfully she was near her friends and quite happily spent the day at their house. Gs school opens tomorrow which hopefully it will do, otherwise both will be with me. After spending the last 2 weeks helping to look after them, I think they are ready to spend time with heir friends. Looking forward to a heavy rain shower to wash it all away.:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.003
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I hope the snow is starting to clear up for you. Although I'd like to see some, it is in reality a pain unless you don't have to go out.amber03 said:We have had a good dump of snow sadly. As I live in abit of a hilly area it can be a pain. GD who lives the other side of the village was halfway to school (secondary)when she was notified the school wouldn’t be opening today, thankfully she was near her friends and quite happily spent the day at their house. Gs school opens tomorrow which hopefully it will do, otherwise both will be with me. After spending the last 2 weeks helping to look after them, I think they are ready to spend time with heir friends. Looking forward to a heavy rain shower to wash it all away."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 - £7, yesterday £2
Jan - £40
Car balance Sept 25 - £11,031 - now £8,695"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 -
Another item sold yesterday so an increased PAD today. DH has also sold an item so the first bag of wrapping paper has been reused and is gone.
Getting back into the flow with work, there's a lot going on so some new stuff to get stuck in to.
I've been doing the odd survey, but need to get back to them properly. I'd love to see the car debt gone!"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 -
You’re into a new hundred so chipping away is clearly working. Well done.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 11st 12lb 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 for now.2
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I really like the PAD idea, I have been trying to overpay debts whenever I have a NSD, but, would be good to overpay something every day, even if its a pound, will be trying this myself!Halifax CC - £2591.41 / £2591.41
Virgin CC - £6094.33 / £6094.33
Barclaycard CC - £7991.29 / £7991.29
Santander CC - £6233.91 / £6333.91
M&S CC - £3868.42 / £3868.42
Natwest CC - £723.43 / £723.43
Natwest CC - £4115.00 / £4115.00
£31,647.79 / £31,717.79 (99.7%) Since 14/12/2025
Emergency Fund : £553.22 / £60001
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