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Going, going...still going!

edited 29 November 2019 at 8:03PM in Debt Free Diaries
973 replies 71.1K views
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  • mark55manmark55man Forumite
    6.1K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    We try not to drink coffee too much past 3pm - have a range of herbal tees and fizzy water.  but its just a nice thing to do even though we both have work OH and I make each other a coffee which we enjoy in the morning whilst sitting in our respective virtual work domains  
    I think I saw you in an ice-cream parlour/Drinking milk shakes cold & long/Smiling & waving & looking so fine
    Weight 07/02/2021:92.5kg - YTD: -4kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Jan Steps (L:Av:H): (463:2767:9366)
    Debt 07/02/2021:£107.5K -- YTD:[email protected]%:£1933/£12299 - Mortgage Neutral:£3.3K/£101K - EF:£2.9K/£10K
    Total Debt Reduction 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 Net YTD(01/02/21): £8.8K
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    709 posts
    500 Posts Second Anniversary Name Dropper Photogenic
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    There is a small part of me that is considering a sodastream - I love fizzy water, but don't like weighing myself down with the 2l bottles (and plastic). I do have a healthy stock of herbal teas - these are my post-work evening treat. I've settled into a routine of my default black coffee first thing (in bed, with PD), then a decaf coffee (4sda do a serviceable version) or a green tea if I need a bit of a pep during the day, and then herbal teas once it is past 5pm. :smile:

    Work has been challenging this week, but it has been ok, and I think the light is emerging at the end of the tunnel. 
    It has been a long week...and an even longer month! Payday is on Friday, which I'm looking forward to - it seems a very long time since I was last paid. I'm also inching ever closer to a payout on YouGov - 65 points to go. So, one normal size survey and a small one, I think. The money is earmarked to go straight to the CC - after that, I don't think I'll bother with YG any more, it's taken years to get to this point! Looking forward to having two months without CTax too, but not looking forward to the decision about rates increase...I suspect it will go up by the full whack, but we will see. LL is definitely not selling my flat at the moment, so that's a relief for now, but we'll see what the next few months bring. They have promised to give me as much notice as possible if/when the time comes (and also first refusal - hahahahahahahaha.....ha :lol: ). 
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0
    A perpetual work in progress.
  • astrocytic_kittenastrocytic_kitten Forumite
    410 posts
    Part of the Furniture 100 Posts Name Dropper
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    Glad your flat won’t be sold from under you in the immediate future! I adore my sodastream. Though I only use it for water so it doesn’t save any money, I think it’s actually more expensive than buying the bottles. And I’m not convinced individual gas canisters are any more environmentally friendly than plastic bottles when it comes down to it. But I’m still a fan 😆 
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    709 posts
    500 Posts Second Anniversary Name Dropper Photogenic
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    I suspect you might be right about the waste of the sodastream @astrocytic_kitten, but it's quite nice to think about getting one anyway :lol:  I would just use it for water too :) Nice to see you - I realised I seem to have lost my bookmarked threads, so I think there are a few diaries I've inadvertently missed out on recently, I'll need to go through and add them all in again! 
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0
    A perpetual work in progress.
  • astrocytic_kittenastrocytic_kitten Forumite
    410 posts
    Part of the Furniture 100 Posts Name Dropper
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    I realised the other day I sometimes unsubscribe from a diary by hitting the bookmark button instead of the link when I’m trying to read it 🤦‍♀️😆
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    709 posts
    500 Posts Second Anniversary Name Dropper Photogenic
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    Popping on in-between meetings, just to note that today I discovered ONE subscription has come out, which I hadn't budgeted for and had completely forgotten about. Which one? YNAB :lol:  It made me laugh quite a lot :wink:
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0
    A perpetual work in progress.
  • mark55manmark55man Forumite
    6.1K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    irony can be pretty ironic sometimes - you thought that would have been built in
    I think I saw you in an ice-cream parlour/Drinking milk shakes cold & long/Smiling & waving & looking so fine
    Weight 07/02/2021:92.5kg - YTD: -4kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Jan Steps (L:Av:H): (463:2767:9366)
    Debt 07/02/2021:£107.5K -- YTD:[email protected]%:£1933/£12299 - Mortgage Neutral:£3.3K/£101K - EF:£2.9K/£10K
    Total Debt Reduction 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 Net YTD(01/02/21): £8.8K
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    709 posts
    500 Posts Second Anniversary Name Dropper Photogenic
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    I know! :lol: I also checked back and I definitely didn't get a reminder email that the renewal date was coming up, which is a little unusual (the payment was definitely for YNAB, the subscription is updated on the website) - I've removed the card details so they will have to notify me next time! :wink:
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0
    A perpetual work in progress.
  • DrawingalineDrawingaline Forumite
    2K posts
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
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    I didn't get an email in October either! But I have a general subscription category which is for everything.
    Debt free Feb 2021 🎉
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    709 posts
    500 Posts Second Anniversary Name Dropper Photogenic
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    Interesting you didn't get one either, DAL. Shamefully, I do also have a subscriptions category which has all of my other subscriptions, just not YNAB! Oh well, not a massive disaster, but put a wee bit of a dent into my February (no CTax) month! Contents insurance is due this month too, but strangely, staying with the same provider is giving me a better rate this year than switching. It's just over £50/yr to renew, so I'll stay put. One less thing to worry about. 

    In other news, I'm now within 15 points of a payout on YouGov, and I am almost certain the next survey I get will be a dinky 10 point-er, but please all keep your fingers crossed for me! :lol:  
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0
    A perpetual work in progress.
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