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Keeping on the Straight and Narrow...

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  • Dakota_Rose
    Dakota_Rose Posts: 918
    500 Posts Name Dropper Photogenic
    Forumite

    Prolific is slow for me too at the moment. You’ve spurred me on to go back and have another go tonight.

    Love having the house to myself. I’d use it for napping rather than cleaning though 😂

    PBs £3050 (including £1k EF & £1k Christmas fund)
    23/26 books for 2026

    Take the time to find the joy in each day

  • beanielou
    beanielou Posts: 101,584
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    I certainly don’t miss all the school stuff.

    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.[/b] [11 months left.[/b]
  • DancingInTheRain
    DancingInTheRain Posts: 1,769
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite
    edited 7 October at 12:49PM

    Yes @beanielou the school bits and bobs seem to constantly pop up. I can console myself that we're lucky and rarely need to pay for wraparound care and the boys take packed lunches rather than having school dinners so at least we don't have expenditure in those areas, it could be a lot worse.

    Forgot to say earlier that he N/wide switch hasn't happened, got a call from them yesterday to say they needed DH's PAN number 😐️ Now given there was an issue with mine last week (I'd given them details of an old sole account I had with the Spanish bank rather than the joint account being switched) and the whole address saga, I was surprised by this new bit of information required to say the least.

    The customer service person was lovely and has logged all the information again but apparantly it can take another 3 days for the checks to be finalised so I remain unconvinced the switch is going to happen. I've now had 3 phone calls and 3 live chats and am feeling very apprehensive. I'm not a fan of the app either so it just feels like it's not worth the effort at this point.

    Debt Busting Again in 2026

    Starting Debt 03.05.26 £5345. Total 01.10.26 £2994

    Challenge 1 - Clear M&S Card: Starting Balance 03.05.26 £600, cleared 05.07.26

    Challenge 2 - Clear V12 Finance: Starting Balance 05.07.26 £600, cleared 12.08.26

    Challenge 3 - Clear Barclaycard: Starting Balance 12.08.26 £940, current total 01.10.26 £344

  • DancingInTheRain
    DancingInTheRain Posts: 1,769
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite
    edited 7 October at 1:10PM

    Grrr - call from N/Wide confirming the switch will happen on the 15th, expressed concern that this is out of the timescale for the switch incentive, 35 minutes later and I'm no clearer as to whether or not we will receive it.

    To be fair to the lady I spoke to, she's been great, she is the same person I spoke to earlier this week and seems to be determined to help me get some sort of resolution, she just couldn't seem to get anyone senior to her to commit to an answer. Despite my frustration I kept calm, kept thanking her for her time and support and she's going to update me once she's received clarity. I'm hoping the fact that there isn't a clear answer today means they'll give me the £175 to save them contacting me again 😂

    *ETA - just had 2 emails, the first said 'we will contact your bank for a list of regular payments' (the same email as I received initially last week, the 2nd said 'we have contacted your bank for a list of regular payments' - I never got as far as the 2nd email last week so I'm hoping that at least the correct information is there for the switch 🤞

    Trying to look on the bright side that at least I'm on my days off so have time to spend dealing with this.

    It was quite chilly here this morning, around 5 degrees. It's the first time in a long while that the house felt quite cool when we got up, but we resisted the urge to switch the heating on. It's a glorious sunny day here. I made the most of it and met sis-in-law after dropping the kids off at school and we went for a walk and a catch up, popped in H£ron's and spent just under £10 on some bits that will be useful for packed lunches before heading home.

    Came back and got yet another load of washing pegged outside and had a general tidy round. I'll be walking back to school to pick the boys and the car up and then it will be a quick bite to eat for us before we head back out for their swimming lesson.

    Redeemed another £5 Ama3on voucher from M!crosoft rewards today and £10 from V1nted, so we are well and truly in the £2's for the BCard! 😀

    Today's PAD £12

    Debt Total £2939 (BCard £289)

    Debt Busting Again in 2026

    Starting Debt 03.05.26 £5345. Total 01.10.26 £2994

    Challenge 1 - Clear M&S Card: Starting Balance 03.05.26 £600, cleared 05.07.26

    Challenge 2 - Clear V12 Finance: Starting Balance 05.07.26 £600, cleared 12.08.26

    Challenge 3 - Clear Barclaycard: Starting Balance 12.08.26 £940, current total 01.10.26 £344

  • Dakota_Rose
    Dakota_Rose Posts: 918
    500 Posts Name Dropper Photogenic
    Forumite

    Well done for hitting the next milestone 🥳

    PBs £3050 (including £1k EF & £1k Christmas fund)
    23/26 books for 2026

    Take the time to find the joy in each day

  • DancingInTheRain
    DancingInTheRain Posts: 1,769
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    Thanks DR

    Quick check in before Celebrity Traitors starts.

    Listed 5 more items on V and 1 sold pretty much straight away so that's been packed and posted while I was on the school run.

    NW switch has started, Standing Orders are showing but no update yet on if we'll get the incentive paid. The official deadline for the switch completing was today but won't actually complete until the 15th.

    No extra money made today.

    Today's PAD £2

    Debt Total £2937 (BCard £287)

    Debt Busting Again in 2026

    Starting Debt 03.05.26 £5345. Total 01.10.26 £2994

    Challenge 1 - Clear M&S Card: Starting Balance 03.05.26 £600, cleared 05.07.26

    Challenge 2 - Clear V12 Finance: Starting Balance 05.07.26 £600, cleared 12.08.26

    Challenge 3 - Clear Barclaycard: Starting Balance 12.08.26 £940, current total 01.10.26 £344

  • beanielou
    beanielou Posts: 101,584
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Doing well on BC.

    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.[/b] [11 months left.[/b]
  • DancingInTheRain
    DancingInTheRain Posts: 1,769
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    Thanks Beanie, it is and, all being well, should be gone in a few weeks🤞

    Today is a bit of a repeat of last Fri - work, DH has a gig this evening. DS2 is hanging out at Grandma's 💙 and DS1 and I have been snuggled under a blanket watching Celebrity Traitors 💙 (still holding out on putting the heating on but definitely getting harder to resist the urge).

    Other than that, not a lot going on.

    £3 cashed out from V and added to today's PAD

    Today's PAD £5

    Debt Total £2932 (BCard £282)

    Debt Busting Again in 2026

    Starting Debt 03.05.26 £5345. Total 01.10.26 £2994

    Challenge 1 - Clear M&S Card: Starting Balance 03.05.26 £600, cleared 05.07.26

    Challenge 2 - Clear V12 Finance: Starting Balance 05.07.26 £600, cleared 12.08.26

    Challenge 3 - Clear Barclaycard: Starting Balance 12.08.26 £940, current total 01.10.26 £344

  • Well done on getting into the 200s on BC ☺️

    DFD March 2025 (£35000 paid off)
    FFEF £20000 saved
    Currently treading water while having cancer treatment and trying not to dip into FFEF too much!
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