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2026 - consolidation and calm
Comments
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Yay for hitting another milestone! Keep ticking away!
Credit card 1 23/7/26
£8959.58£5999 (33% paid)Credit card 2 23/7/26
£695.34£0 (100% paid)Loan 23/7/26
£7514.73£6760.92 (10% paid)Total debt: 23/7/26 -
£17169.65£12758.92(25% paid)2 -
Thank you all 😁 I'm very pleased, and my motivation is high at the moment. I've been keeping up with surveys and cashed out today, so can PAD a bit more tomorrow. It's amazing how much I can get done when work doesn't get in the way 😆
I've done some listing for DH today, so 12 items done. He can manage the packing and posting and questions.
We had a free hour of electricity so made the most of it. Put the car and all devices on charge, did a load of washing and we had showers too. The shower and the car are our highest energy draws, so those will have been worth it.
I used the last of my work L2S gift voucher in food warehouse earlier, so some 'free' food there. The freezer is full. I thought I didn't have the space but after a bit of tetris, managed to get it all in.
We won £1 on the lottery last night, so that will go to the mortgage when it arrives.
Time to chill this afternoon 😊 It's nice having that extra day off tomorrow before I go back to work on Tuesday.
"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 McGee7 -
Hi Jwil, just to say love the PAD method, may have to borrow that for 2027. Your doing so well. Congrats on the nomination.
2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £94,858.21 / £122,400.00 Overpayment total: £1,681.83 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 35%
2). #47 Save 1p a day challenge 2026 £450 / £780
3). £2900.32/ £3000.00 - Investment ISA
4). CC debt - £21,504.77. Aiming for £19,999.99 31/12/2026.
5). £288.05 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 4 out 12 COMPLETED1 -
Thank you 😁 I didn't invent it, there used to be a challenge on here with it, I don't know if it still runs. I love it though, it helps me feel like I'm doing something through the quiet parts of the month when not much is happening. Good luck if you decide to go with it.
"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 - £12
Jan - £172
Feb - £203
Mar - £143
Apr - £67
May - £108
Jun - £188
Jul - £78
Aug - £80
Car balance Sept 25 - £11,031 - now £6,987
"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 -
Survey cashout to add to my PAD today.
It's nice to have the day off. The kids didn't want to do anything so a quiet day at home. Thankfully it's a bit cooler today.
"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 McGee4 -
Little miss got up and wanted to go and feed the ducks and have a wander around a local park, so we went out for an hour or so. Whilst out we had the first rainshower we've had for weeks. Sadly it didn't last very long.
This afternoon I just chilled with a book. I had great plans to be doing stuff, but I'm tired today. Not looking forward to work tomorrow either.
"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 -
PAD (Payment a Day)
Today's PAD - £2
Jan - £172
Feb - £203
Mar - £143
Apr - £67
May - £108
Jun - £188
Jul - £78
Aug - £82
Car balance Sept 25 - £11,031 - now £6,986
"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 - £9
Jan - £172
Feb - £203
Mar - £143
Apr - £67
May - £108
Jun - £188
Jul - £78
Aug - £91
Car balance Sept 25 - £11,031 - now £6,979
"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 -
Morning @jwil, just catching up after a lovely week with family visiting. Your recent posts are so inspiring and uplifting 😊 Congratulations on the nomination for SW Women of the Year - amazing achievement. Well done for clearing over 4k in less than a year. Go you on progress with Operation 'make the house look different'.
This made me smile 'It's amazing how much work I get done when work doesn't get in the way' 🙂
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