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2026 - consolidation and calm

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  • jwil
    jwil Posts: 24,093
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    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: 24,093
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    Forumite

    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
  • whereas I indulge in weeks’ worth of chocolate in days

    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Tend to the part of the garden you can reach

    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • jwil
    jwil Posts: 24,093
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    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: 101,793
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 9 months left.
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,695
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    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: 24,093
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    "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: 24,093
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    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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