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
-
Enjoy your day.
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 -
Thank you, we had another lovely day. We went to the beach we go to all the time, but walked out to a bit little miss and I have never been to before. It was lovely. Little miss commented (and I agree with her), that it's been nice to walk more and see the different places and we should keep it up, but it will be nice not to have to do it quite so frequently in a short period of time!
For me, it's really been a revelation about just how far I've come. Considering just a couple of years ago I could barely walk to school without being in real agony with my knee, and now I can do so much more without needing days to recover. It shows that even making small changes really does help. I might be taking the scenic route, but hopefully I'm making lasting changes and creating new habits.
It's been a very spendy month so I will have to have a much more quiet May, but it's been good fun. Hopefully in May I can focus more on getting stuff done around the house.
It's also been really good to get a lot more use of my car and giving me more confidence about just how far it can go!
"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 McGee6 -
That all sounds lovely Jwil, I'm a big fan of the scenic route and the lasting changes.
Debts 04/01/25 04/05/26
Natwest2 £6,509.97 £3,775
NatWest CC £7,612.74 £6,125
Lloyds CC £6,112.60 £3,897.12
1st Direct CC £176.03 £35.71
CC total £20,411.34 £13,832.83
OD £1100 £0
Car loan £4,000 £3,400
1st Direct Loan £10,684.44 £6,745
Total £36,195.78 £23,977.83
EF £1,800
HF £272.111 -
Thank you, me too, it's less painful overall.
"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 - £4
Jan - £172
Feb - £203
Mar - £143
Apr - £35
Car balance Sept 25 - £11,031 - now £7,871
"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 -
A small bit of cashback to add to my PAD this morning, plus CC payment means the car balance has gone down again.
We're off on a canal walk today. I'm hoping to get me and little miss close to 80 miles done each by the end of this week, as I'll have much less time and inclination when we go back to school/work. DH will hit his 100 tomorrow probably. As a family we've done 213 miles so far and not quite halfway through the month.
"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 -
Well done on the car balance jwil. Do you know how much you have knocked off the interest/ term?
Your walks sound lovely❤️Mum 2018
0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗
Retired at 55 & now living off the equity £10k a year
❤️Dad 2025
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p11 -
Thank you 😊 It's on two 0% credit cards at the moment, so no interest. I'm trying to clear as much as I can before the 0% runs out (September and December). I can hopefully transfer anything that's left when we get there.
"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 - £172
Feb - £203
Mar - £143
Apr - £37
Car balance Sept 25 - £11,031 - now £7,870
"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 -
PAD (Payment a Day)
Today's PAD - £2
Jan - £172
Feb - £203
Mar - £143
Apr - £39
Car balance Sept 25 - £11,031 - now £7,869
"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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.6K Banking & Borrowing
- 254.5K Reduce Debt & Boost Income
- 455.5K Spending & Discounts
- 247.5K Work, Benefits & Business
- 604.4K Mortgages, Homes & Bills
- 178.6K Life & Family
- 262K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards