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

1868788899092»

Comments

  • jwil
    jwil Posts: 23,750 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: 23,750 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    PAD (Payment a Day)

    Today's PAD - £13

    Jan - £172

    Feb - £203

    Mar - £143

    Apr - £67

    May - £108

    Jun - £188

    Jul - £78

    Aug - £19

    Car balance Sept 25 - £11,031 - now £7,203

    "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: 23,750 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Extra PAD to the mortgage today from a lottery win.

    It's my last full week at work for a while 😁 I'm off next week and then doing short weeks for a few weeks which will be nice.

    I've put little miss's curtains in the wash this morning and washed her windows. She's making good progress with her room.

    DH sold an item yesterday and today. I'm still boycotting selling, so he's packed and posted it himself 😁

    "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: 8,349 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    your discipline is amazing. I would have used part of the win to get the car into the next hundred

    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.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • beanielou
    beanielou Posts: 100,671 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Happy holidays to come!

    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. 14 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
  • 355.2K Banking & Borrowing
  • 254.7K Reduce Debt & Boost Income
  • 455.9K Spending & Discounts
  • 247.9K Work, Benefits & Business
  • 605.1K Mortgages, Homes & Bills
  • 178.8K Life & Family
  • 262.8K 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.