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Lbm
Comments
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Your are doing great wish i was as good as you lol0
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its hard going ... but ive been 'careful' and savvy since my first son was born 5 years ago but ive never saved enough in an emergency fund for those unexpected expenses etc. so we have been in and out of debt mainly in a small amount of debt for the last 3 years. and now im on the road to my second debt free challenge but this time hope to save up enough for emergencies so we don't get back into debt.
had an eye test today ... ive got to wear glasses all the time now ... rather than some of the time. got some nice glasses to pick up next week though ... which was another expense but had the spare cash in the bank so didn't have to put it on the credit card like I would of done in the past.
thank you for all your support so far please say hi if your reading ... I don't bite take care all. have a great weekend xmas £53.82/£500holiday £140/£600 emergency1 0/£1000£10 a day x 556 days = £5560 / £12.63 (after postage and fees)house fund £50000 + £10,000 fees + £10000 renovationsemergency2 £5000
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spending update : £200 (including glasses)
Debt UPDATE
catalogue all on BNPL (Breakdown below) total £869
£130 0% interest free period ends 18/07/2014 PAID 22/06/14
£295 0% interest free period ends 7/11/2014
£444 0% interest free period ends 17/5/2015
Credit card (currently 9.9%) £956.91 actual (22/06/2014)
new balance (28/06/2014) £859
Total Debt : £1825.91 (22/06/14)
Total Debt : £1598.00 (28/06/14)xmas £53.82/£500holiday £140/£600 emergency1 0/£1000£10 a day x 556 days = £5560 / £12.63 (after postage and fees)house fund £50000 + £10,000 fees + £10000 renovationsemergency2 £5000
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NSD today
just working out budget for the coming week xmas £53.82/£500holiday £140/£600 emergency1 0/£1000£10 a day x 556 days = £5560 / £12.63 (after postage and fees)house fund £50000 + £10,000 fees + £10000 renovationsemergency2 £5000
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quick update £120 paid off credit card
Total Debt : £1478.00xmas £53.82/£500holiday £140/£600 emergency1 0/£1000£10 a day x 556 days = £5560 / £12.63 (after postage and fees)house fund £50000 + £10,000 fees + £10000 renovationsemergency2 £5000
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Hiya, just had a quick read. You're doing really well. Maybe you should think about reducing what you're aiming for in Christmas savings given that you already have a clatter of things bought in the sale.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.
Tend to the part of the garden you can reach
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
Quick update for everyone
Have had a few NSD's
Should come in at £200 or less for food shopping this month
Payed some more off credit card
Been listing on ebay so hopefully will get some salesxmas £53.82/£500holiday £140/£600 emergency1 0/£1000£10 a day x 556 days = £5560 / £12.63 (after postage and fees)house fund £50000 + £10,000 fees + £10000 renovationsemergency2 £5000
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hi everyone. wow i just realised i havent posted for nearly a month. alot has changed . our debt is more i think due to unexpexted expenses which included dp's motorbike (which he needs to get to college) needing some expensive repairs .... its just becoming a nightmare.... i try and live as frugal as possible and yet we are still struggling.
i will update on the debt later,
im in the middle of working out a realistic budget until the end of next yr and hopefully we can get some savings and pay the debts off
xmas £53.82/£500holiday £140/£600 emergency1 0/£1000£10 a day x 556 days = £5560 / £12.63 (after postage and fees)house fund £50000 + £10,000 fees + £10000 renovationsemergency2 £5000
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managed to get on with my original login
quick update
Total Debt : £1598.00 (28/06/14)
total debt : £1300 (26/08/14) (will update with actual figure when kids are in bed)
im shocked it has decreased as we have had lots of unexpected but expensive expenses latelyTotal Debt £1700 *** grocery challenge 1-30 sept £0/£368
make £10 a day 1st sept 2014 -31st dec 2015 £0/£4870
emergency1 £0/£1000
emergency pot 2 £0/£5000
Forever Home Fund £0/£70,000 (by July 2025) (£135pwk)
wedding fund £0/£10,000 (by Dec 2016)(£42pwk)0
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