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Keeping on the Straight and Narrow...
Comments
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You have my sympathy for the sibling unrest! My three are reaching levels of pettiness rarely seen before. It’s day ONE of the holidays 🙈 🥴 sure to calm down in a few days - right?
PBs £2050 (including £1k EF)
17/26 books for 2026Take the time to find the joy in each day
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Oh I hope so 🙏 2 bickering children is bad enough so I really feel for you with 3 🩷
At least we can have a little vent on here!
Things can only get better 😂
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.08.26 = £3987
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 💚
Clear V12 Finance Starting Balance 05.07.26 £600 Cleared 12.08.26 💚
Clear Barc!aycard Starting Balance 12.08.26 £940
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Not long til the 3k’s.
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. 13 months left.1 -
Hope so Beanie x
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.08.26 = £3987
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 💚
Clear V12 Finance Starting Balance 05.07.26 £600 Cleared 12.08.26 💚
Clear Barc!aycard Starting Balance 12.08.26 £940
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Splitting the boys up today has worked well. Once DS2 and I got home both boys went to the playground for an hour and then have been in the garden playing reasonably nicely with each other. They both got a better sleep last night which has helped their behaviour too.
Not much else to report today, just waiting on an A$da delivery coming then it will be showers and bed for us all, DH already having a soak in the bath as he's still feeling unwell.
We did win £5 on Set 4 Life last night so that's been added to the PAD.
Today's PAD £7
Debt Total £4193 (V12 £443)
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.08.26 = £3987
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 💚
Clear V12 Finance Starting Balance 05.07.26 £600 Cleared 12.08.26 💚
Clear Barc!aycard Starting Balance 12.08.26 £940
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Well I had an unexpected turn up for the books at work this morning, we had a team meeting where it was proposed that rather than replacing my colleague who left earlier this year (having struggled to find a suitable replacement) would me and one of my team members like to split the advertised hours and have our contracts increased?
We've been covering the hours for the last few months anyway, hence the regular overtime I've had so it seems like a total no-brainer to accept the extra hours on a permanent basis. Will chat it over with DH before making a final decision but we've managed fine since my hours have increased so I'm sure he'll agree it's a good move. Plus, you know, it's extra money too 😂
The boys are having a chill day at Mums while me and DH are out for work then I'll pick them up and head straight to their swimming lesson so at least that's a bit of exercise for them today.
Today's PAD £2
Debt Total £4191 (V12 £441)
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.08.26 = £3987
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 💚
Clear V12 Finance Starting Balance 05.07.26 £600 Cleared 12.08.26 💚
Clear Barc!aycard Starting Balance 12.08.26 £940
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That’s good news indeed.
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. 13 months left.1 -
Well despite my best efforts I've come down with DH's cold, just in time for my annual leave, my throat feels like it's filled with razor blades and I've just fallen asleep for an hour on the sofa since coming home from work 😐
DH is at least feeling better.
The boys have had another day at Mums while we were at work so they've been suitably spoiled again. They're just burning off some energy at the local playground, DS2 is especially enjoying having that bit of extra freedom these summer holidays to go there with DS1 & DS1 does a good job of gently keeping him in check when needed 😉
After talking things through with DH last night I have today accepted the increase to my contracted hours so this will start on my return from annual leave 🙌
Not at a lot else happening today so I'll leave it there.
Today's PAD £2
Debt Total £4189 (V12 £439)
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.08.26 = £3987
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 💚
Clear V12 Finance Starting Balance 05.07.26 £600 Cleared 12.08.26 💚
Clear Barc!aycard Starting Balance 12.08.26 £940
1 -
Feeling pretty yuk today, thankfully the boys have been happy hanging around the house, DH also WFH so we've all been home today. I made a pan of vegetable soup and baked some part baked rolls for lunch. Between those, fruit and yogurt we've all just eaten when we can be bothered/have time and just gone with the flow.
The kids have been out to play with the neighbours kids for a couple of hours, a mixture of playground and both of our gardens so at least they've had a bit of company and fresh air.
DH out for a gig tonight. Once he goes out I'm hoping to leave the boys watching a film while I have a long soak in the bath 🤞
Had a V!nted bundle sale today, that's packed and ready to go the next time one of us is passing a parcel drop off place. Had a further £6 cleared on there today, have added to the CC PAD.
Today's PAD £8
Debt Total £4181 (V12 £431)
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.08.26 = £3987
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 💚
Clear V12 Finance Starting Balance 05.07.26 £600 Cleared 12.08.26 💚
Clear Barc!aycard Starting Balance 12.08.26 £940
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I wonder if you can be under £400 by the end of the month. Feel better soon.
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. 13 months left.1
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