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!

2026 - consolidation and calm

18485878990100

Comments

  • jwil
    jwil Posts: 23,839 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: 23,839 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 - £67

    May - £108

    Jun - £188

    Jul - £62

    Car balance Sept 25 - £11,031 - now £7,216

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

    Glad you got to the seaside.

    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. 13 months left.
  • Humboldt
    Humboldt Posts: 639 Forumite
    500 Posts Second Anniversary Name Dropper

    Hi @jwil, just catching up. I too am naturally a morning person and much prefer to get things done first thing. So impressed that you are taking part in couch to 5k and that decluttering continues. Hope that you had a great time at the seaside.

  • jwil
    jwil Posts: 23,839 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: 23,839 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 - £67

    May - £108

    Jun - £188

    Jul - £68

    Car balance Sept 25 - £11,031 - now £7,212

    "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
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,214 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Great that you're investigating the bike, as you say that's a bulky thing to declutter even if you can't or don't use it. Some people buy old bicycles for bits so could be worth sticking it on a resale site for a week first

    Re the weight, I think that's really normal as body goes 'I'm hanging onto my fat if I'm not getting fed my usual calories, thanking you' so one don't feel like it's a failing on your part, and two maybe switch up your diet if possible so body feels like it's getting a wide variety of food, and even have a bit of chocolate as long as it also has a walk involved

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

    Are you drinking enough water?

    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. 13 months left.
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
  • 355.4K Banking & Borrowing
  • 254.8K Reduce Debt & Boost Income
  • 456K Spending & Discounts
  • 248K Work, Benefits & Business
  • 605.4K Mortgages, Homes & Bills
  • 178.9K Life & Family
  • 263.2K 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.