2026 - consolidation and calm

joedenise

When I was doing PAD I just used to round down my bank account to get rid of any coppers!  Sometimes it might only be something like 15p but they all add up.  I was using mine to pay down the mortgage!  Pleased to say that has gone!

Seasidegal58

Hi there jwil!  I’ve just read through your new diary and have subscribed!  Will be cheering you on as you tackle the various items on your list for 2026! x

doingitanyway

Great on the car loan repayment figure

jwil

in_need_of_direction said:

You’re into a new hundred so chipping away is clearly working. Well done.

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

ryandotdee said:

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!

Thank you   I find it really works for me, I don't notice the small amounts, and it really adds up.  It helps to avoid that middle of the month scenario when nothing's really happening too.  Good luck with it!

jwil

joedenise said:

When I was doing PAD I just used to round down my bank account to get rid of any coppers!  Sometimes it might only be something like 15p but they all add up.  I was using mine to pay down the mortgage!  Pleased to say that has gone!

It's amazing how it adds up.  I have save the change set up too, and every time that reaches £25 I send it to PBs.

Seasidegal58 said:

Hi there jwil!  I’ve just read through your new diary and have subscribed!  Will be cheering you on as you tackle the various items on your list for 2026! x

Thank you   It's always lovely to have people cheering me on!

doingitanyway said:

Great on the car loan repayment figure

Thank you   It's nice to see it going down

jwil

PAD (Payment a Day)

Today's PAD - £2

Jan - £42

Car balance Sept 25 - £11,031 - now £8,694

jwil

Happy Thursday!  Almost the end of the week for me already.  It's been nice not having a week full of meetings so I've been able to be productive.

I have to take little jwil to the GP this morning, as it looks like he has an infection in his toes.  I'm very lucky with my GP, phoned up late yesterday and got an appointment for today, I know others struggle a lot, but I don't ever have any issues.

I could do without having to take that time out but needs must.  I was going to use my lunch break to clear up ready for the smart meter appointment tomorrow but I'll have to do that after work instead, and work through lunch.  I'm wondering if they'll cancel due to the storm, but we're not due anything other than rain so probably not.

joedenise

Our GP offers on line appointments and yesterday afternoon I looked for an appointment hoping for one today and I actually managed to get one for 4.10pm so about an hour after I looked!  We changed GP about a year ago as our old GP was awful and could never get an appointment.  So glad we changed.

Humboldt

Morning @jwil I'm still on my break from my diary, but just wanted to pop by to wish you happy new diary x

jwil

joedenise said:

Our GP offers on line appointments and yesterday afternoon I looked for an appointment hoping for one today and I actually managed to get one for 4.10pm so about an hour after I looked!  We changed GP about a year ago as our old GP was awful and could never get an appointment.  So glad we changed.

That's really good.  I don't think you can book appointments online with ours, but you can do the online consult and I've always had a really speedy response from that too.  

Humboldt said:

Morning @jwil I'm still on my break from my diary, but just wanted to pop by to wish you happy new diary x

Thank you for popping in @Humboldt I hope you are enjoying your break.