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Keeping on the Straight and Narrow...
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Happy Wednesday!
DH out for work today so the boys and I are having having a chill day as once I'm back in work tomorrow life will be pretty full on until the end of the summer holidays as my new rota/hours start and DH is travelling more for work to deliver a new project.
Amongst the chilling I've stripped, washed and remade the kids beds as well as giving their rooms a quick dust and hoover, will hold off giving these rooms a decent clean until they're back in school as they've got random toys, trading cards and other bits everywhere. As long as living spaces are tidy I can just about deal with messy bedrooms (as long as the doors stay closed 😂)
As free time is going to be limited these next few weeks, I've got a notepad and pen out to make a few lists of bits that need sorted - DS2's birthday next week, any bits of replacement uniform/shoes needed and checking what the boys need next week as they're attending a football camp for 4 days. We also need to get DH's car booked in the garage as it's MOT is due, along with a couple of minor repairs. So lots to cram in on any days off we have. Also need to source a new hairdresser as mine has decided to step back from work for a while to deal with some family issues so that's on the list too.
We'll be eating as soon as DH gets home and then heading out with DH's brother, sis-in-law & kids to try to see the eclipse. It's fairly cloudy here but, being by the coast, we should be able to observe some of it 🤞
In big money news, I had a lovely but very much unexpected gift from my Brother of £250 😯, to put this into context once you reach 18 in our family the gifts stop unless you get married or give birth 😂
Long story short, he's had an unexpected windfall and he wanted to treat me to say thanks for being there for him, especially the last few years since my sis-in-law passed away 💙
As we know on here, the best way to treat ourselves is to pay some money off debts 😂
As such, at DH's insistence, I've ring fenced £100 for me to actually treat myself but have sent the remaining £150 to the M&S card.
With today's PAD this left a balance of £17, our grocery spending has been under budget with being away and having a full freezer so I've thrown caution to the wind and moved £17 from the groceries budget and also sent this to M&S - balance now £0 🙌
I've taken great pleasure in cancelling the monthly S/O & daily PAD to this account and have increased the S/0 for Barc!aycard from 1 Sep & set the daily PAD to go here from tomorrow.
Today's PAD £169
Debt Total £3690 (V12 £0) (Barc!aycard £940)
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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Great news. Well done in clearing that card and enjoy choosing a proper treat for yourself 😊
PBs £2050 (including £1k EF)
17/26 books for 2026Take the time to find the joy in each day
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What a lovely brother. Another debt down 🎉🎉
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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