Keeping on the Straight and Narrow...

beanielou

Good to hear from you. 🤗

dawnybabes

Welcome back 😃😃😃

DancingInTheRain

Hi Beanie & Dawny 👋

2 days in a row posting, I'm on a roll!

Debt Total - £5345

All 0% and made up of:

PayPal: £20 (payment scheduled so will be paid off when funds clear)

Tesco CC: £2950 (0% ends Jun 27)

Barclaycard: £1075 (0% ends Oct 27)

M&S: £600 (0% ends Dec 27)

V12 Finance £700 (0% ends Dec 27)

All minimum payments, plus a little extra went out on the 1st. I'll pay more on my payday on the 15th but not planning on paying down too aggressively at the moment.

Have set up a PAD of £1 to the Tesco CC so debt total now £5344 - small wins!

Savings are split across pots, EF, and longer term. We would like to get some of these boosted alongside paying the debt down meaning we're not being too aggressive with payments at the moment, this is always subject to change with us though 😂

Lovely weather here today and we all have a day off, we've spent the morning doing chores and then planning to head out for a walk (us) & scoot (kids), will do a small shop up while we're out too.

Hope the sun is shining where you and and the Bank Holiday is treating you kindly ☀️

FootyFanDan

Welcome back - good to see you back posting

DancingInTheRain

Thanks Dan!

Today's PAD = £1 to Tesco CC & £1 to Savings (have set up a recurring payment for this too).

Debt total now £5343

Lovely walk out yesterday followed by a cinema date for DS2 and I to see the new Michael film, DS2 loves 80's music and was blown away by the film, he had a good time singing and dancing along, luckily we had a small row of seats to ourselves so he didn't disturb anyone 😂

Back to the reality of school and work today, DS1 has a club tonight so it'll be home, a quick bite to eat and straight back out to drop him off, at least it reduces the opportunity to spend money anywhere!

Thankfully chores will be minimal following us all getting on top of the housework yesterday.

beanielou

Soon be in the £4k’s.

DancingInTheRain

Ooh @beanielou I hope so!

2 posts in 1 day, I really am back on the MSE wagon!

I've been checking the bills account and identified that this is a month where the DD isn't collected for DH's pre-payment certificate meaning there's £11.45 available to reallocate. It's taken me 3 days to realise this as should have gone out on the 2nd!

Sent £11 to the Tesco CC and the 45p has been sent to the general spends account, it might just stretch to a little treat, how much is a Freddo these days? 😂

Debt total now £5332

DancingInTheRain

Today's PAD = £1 to Tesco CC & £1 to Savings

Debt total now £5331

Not much to report today other than I got pooped on by a seagull while walking around onsite at work then on the way home from the boys swimming lesson this evening another gull decided to pebble dash the windscreen 😐️ The joys of living by the coast! Seeing as this can be seen as a sign of good luck, I decided to buy a rare lottery ticket, went for a Set 4 Life lucky dip online so £1.50 spent today.

Let's see if we wake up to any winnings on Friday 😉

Still waiting on Paypal deducting the £20 payment from my account, take my money already, it's been 4 days!