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2026 - consolidation and calm

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Comments

  • jwil
    jwil Posts: 23,541 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: 23,541 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
  • in_need_of_direction
    in_need_of_direction Posts: 8,221 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: 23,541 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: 99,832 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: 6,659 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 😊

  • jwil
    jwil Posts: 23,541 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: 23,541 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
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