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Keeping on the Straight and Narrow...
Comments
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challange for you! Can you get M & S to £100 for the end of the month?!
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.1 -
ooh @beanielou you little minx 😂 Challenge cautiously accepted! I feel I'll need a few AI surveys to do it though (come on Pro!ific, let me catch a few!!!)
I'm already £1 closer than my last post as the V payout was £3 not £2.
So correct figures are:
Debt total now £4603 (M&S CC £128).
Right, off to see if I can find £28 lying around for Beanie's challenge…
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅
Clear V12 Finance Starting Balance 05.07.26 £600
4 -
you do realise that £29 would put you in double figures
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#latest2 -
@in_need_of_direction you're as bad as Beanie 😂😂
To please you both so far this morning I have counted up and paid in £6 of loose change, added £3.47 for some shopping picked up while with Mum that she wouldn't take the money for and added a further £2.17 DH saved by using his E330 blue light fuel card when he filled up the other day.
Rounded up the loose change so that's £12 added to the regular £2 PAD
Debt total (for now 😉) £4589 (M&S CC £114)
Just going to check down the back of the sofas to see if £14 has fallen out of anyone's pocket…
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅
Clear V12 Finance Starting Balance 05.07.26 £600
3 -
@in_need_of_direction & I have been around for a long time. We like to mix things up 😹 well done so far. 🎉
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.1 -
Thank you and I appreciate the support!
3 x AI surveys bagged this evening resulted in £11 cashed out from Pro!ific and immediately sent to M&S
Debt total now £4578 (M&S CC £103)
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅
Clear V12 Finance Starting Balance 05.07.26 £600
3 -
Fantastic 🎉
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.0 -
Lazy day here today pottering round and relaxing with the radio on in the background.
The boys have been in and out playing in the garden and paddling pool so they're enjoying a chill day too.
DH took the boys to get a much needed haircut after breakfast and I've ordered DS1 a branded backpack he's been wanting for a while.
His previous bag has lasted a few years but has seen better days, this new one was £28 due to the branding 😲 so he's paid half out of his pocket money savings, as "no other bag would do" 😂
No additional earnings today so just the usual £2 PAD to M&S
Debt total now £4576 (M&S CC £101)
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅
Clear V12 Finance Starting Balance 05.07.26 £600
3 -
Another quiet day in store, boys are still asleep after staying up late for the match, both fell asleep at half time so they'll be in for a surprise at the result when they wake up 🙂
An overnight sale on V1nted so need to drop that off today.
Found a football camp for the boys to attend during the summer holidays last night so need to get them registered and booked for that today.
DH has a gig this afternoon so we're planning to have a cooked breakfast brunch once everyone is awake before he heads out.
Regular £2 PAD to M&S means the balance today is £99 🥳
Thanks to @beanielou & @in_need_of_direction for the challenge/gentle kick up the backside 😂
Debt total now £4574 (M&S CC £99)
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅
Clear V12 Finance Starting Balance 05.07.26 £600
2 -
excellent progress on the m&s card. Well done
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#latest1
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