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.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

2026 - consolidation and calm

14647485052

Comments

  • jwil
    jwil Posts: 23,353 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thank you all 😁 It's nice to see it going down.

    Good advice, thank you. I'm trying to change my habits permanently, so I am not 'dieting'. It's partly why I'm happy to take the scenic route, even though I'd quite like to see it moving down again now.

    "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: 23,353 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    PAD (Payment a Day)

    Today's PAD - £2

    Jan - £172

    Feb - £203

    Mar - £143

    Apr - £17

    Car balance Sept 25 - £11,031 - now £7,958

    "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: 23,353 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Happy Easter everyone!

    We've had a nice day so far. More of a restful day today, but we did go for a walk around the park and to feed the ducks. It was lovely. We avoided the storm, hope it wasn't too bad for everyone who was in it.

    We've had a nice roast, and are now settling in for the afternoon. I have some easter eggs, but not too many and I shall enjoy them. It's a big difference from previous years, where I am normally eating hot cross buns from the second they appear in the shops (I like the fresh ones, not the packeted ones) and indulging in Easter eggs over a period of weeks rather than days!

    "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
  • in_need_of_direction
    in_need_of_direction Posts: 8,156 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    whereas I indulge in weeks’ worth of chocolate in days

    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.
  • jwil
    jwil Posts: 23,353 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I can easily do this too. Chocolate will always be my nemesis!

    "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
  • beanielou
    beanielou Posts: 99,142 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Chocolate is my nemesis too. Sigh.

    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.
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,342 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Well done on ensuring your future hormonal/knackered self has supplies to treat herself from without spending extra money

    Sounds a lovely day 😊

    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 Carmichael
  • jwil
    jwil Posts: 23,353 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: 23,353 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    PAD (Payment a Day)

    Today's PAD - £2

    Jan - £172

    Feb - £203

    Mar - £143

    Apr - £21

    Car balance Sept 25 - £11,031 - now £7,956

    "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: 23,353 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Back to work today but at least it's just today and tomorrow. I'm not feeling well, not sure why. Hopefully it will ease. I didn't sleep well last night which won't be helping.

    I've finished the easter eggs today so was hoping to get back on track, but then DH bought me home a couple of packets of mini eggs as they were reduced. I'm sure I'll cope!

    We were out yesterday and went to two NT places. It was lovely. We're all on track for the 100 miles, but there's a bit of variation. I haven't done any real walking today, I'm considering going out for a bit, but I need to do my shopping, and it might be better to not do too much today. Good news is my knee is holding up, and although it's still painful, it's not really any worse than it has been.

    "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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.2K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247.1K 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

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.