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Keeping on the Straight and Narrow...

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  • beanielou
    beanielou Posts: 101,796
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Enjoy the gig.

    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 9 months left.
  • DancingInTheRain
    DancingInTheRain Posts: 1,815
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    The gig was really good, a real trip down memory lane as it was an indie band DH and I both loved in our teens. They're as talented as they ever were so we had a fab night. I was shattered driving home though, DH told me to put the window down so the fresh air would keep me alert 😂

    I fell asleep not long after getting home around midnight then was rudely awoken around 5am by an intermittent beeping. It took me a little while to realise it was one of the smoke detector's 'low battery' warning so I had to grab the step ladders to retrieve the detector and replace the battery, thankfully we had a spare. I tried and failed to get back to sleep so it's been a tiring day at work today.

    Unbelieveably DH was totally oblivious to everything that had happened until I told him later on, he honestly would sleep through an earthquake I'm sure!!!

    The boys enjoyed their sleepover/general spoiling at Hotel Grandma last night 😉I've think they were allowed to stay up a lot later than normal as they both look tired, they're currently out playing with a neighbour's children so I'm keeping everything crossed they'll be happy to chill and watch a film while I watch Strictly later 🤞DH and his band have a gig tonight so that'll keep him occupied too.

    I've used some of the Ama3on vouchers I've earned from receipt apps today to buy a few more Xmas gifts, £32 used so have transferred the equivalent to the CC.

    Today's PAD £34

    Debt Total £2866 (BCard £216)

    Debt Busting Again in 2026

    Starting Debt 03.05.26 £5345. Total 29.10.26 £2650

    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, cleared 29.10.26

    Challenge 4 - Clear Tesco CC: Starting Balance 29.10.26 £2650

  • beanielou
    beanielou Posts: 101,796
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Glad you enjoyed the gig.

    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 9 months left.
  • DancingInTheRain
    DancingInTheRain Posts: 1,815
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    Thanks @beanielou

    Well having woken up to discover it's 2° outside 🥶 I've caved and finally put the heating on to warm the house through while everyone wakes up slowly.

    We need to get on top of a few chores and homework so I'm hoping everyone gets onboard with these after breakfast (sausage baps today) and then we can get out and enjoy some cold but sunny fresh air 🤞

    But first coffee...

    Today's PAD £2

    Debt Total £2864 (BCard £214)

    Debt Busting Again in 2026

    Starting Debt 03.05.26 £5345. Total 29.10.26 £2650

    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, cleared 29.10.26

    Challenge 4 - Clear Tesco CC: Starting Balance 29.10.26 £2650

  • Dakota_Rose
    Dakota_Rose Posts: 979
    500 Posts Name Dropper Photogenic
    Forumite

    Hope you enjoyed your Sunday 😊. I’m sure we’ll miss the homework and back to school chores when the days have gone but they do feel like a grind at times!

    PBs £2600 (including £1k EF, £1k Christmas & £600 Little Dreams pot)

    24/26 books for 2026

    Take the time to find the joy in each day

  • beanielou
    beanielou Posts: 101,796
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    I don’t miss the homework! At all.

    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 9 months left.
  • DancingInTheRain
    DancingInTheRain Posts: 1,815
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    Yes homework is always through gritted teeth but as I keep saying to the boys, it will only get more demanding once they're in secondary school so we need to try to build good habits of doing it now. The reality is that it's a constant battle,never mind we only have 9 more years to get through 😮😂😂

    After the battle to do homework and chores none of the males in my house wanted to go out but I persuaded them that some vitamin D would do us good so we walked to a play park about a mile from our house. DH and I managed to secure a bench in direct sunlight which was lush. The boys had a good runaround for an hour before we headed home. So, in the end, we had a good couple of hours outside.

    Our niece came for a playdate when we got home so we've had a decent day, all showered and in PJ's now, early night on the cards for us all.

    Debt Busting Again in 2026

    Starting Debt 03.05.26 £5345. Total 29.10.26 £2650

    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, cleared 29.10.26

    Challenge 4 - Clear Tesco CC: Starting Balance 29.10.26 £2650

  • beanielou
    beanielou Posts: 101,796
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Tell them not to become teachers as they will have lots of homework to mark!

    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 9 months left.
  • DancingInTheRain
    DancingInTheRain Posts: 1,815
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    That's a great point Beanie!

    Day off today, caught up with a friend I haven't seen for a while. We went to a garden centre we rarely go to, plan was to just have a cuppa and a natter, which we did and enjoyed a good catch up, but we had a look at their Christmas section and I managed to pick up a few token gifts for those family members we gift a little soemthing from the children. They were things I've never spotted elsewhere and really match the recipient's likes/interests so I'm really pleased with these little finds, even more pleased that I immediately wrapped and labelled them when I got home, my future self will thank me for that 😂

    I'd pegged some washing out before I met my friend as we were forecast 0% chance of rain. Sadly that was very incorrect as the heavens opened when we were at the garden centre. By the time I got home the washing was absolutely dripping on the line so had to pop it back in the machine on a quick wash cycle.

    Other than that, just the usual chores, school drop offs and pick ups. I have just used some of the leftover chicken from yesterdays tea to make a delicious curry this evening, with a little left over for DH's lunch tomorrow.

    Today's PAD £2

    Debt Total £2862 (BCard £212)

    Debt Busting Again in 2026

    Starting Debt 03.05.26 £5345. Total 29.10.26 £2650

    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, cleared 29.10.26

    Challenge 4 - Clear Tesco CC: Starting Balance 29.10.26 £2650

  • DancingInTheRain
    DancingInTheRain Posts: 1,815
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    Quick check in to note today's PAD after another quietish day, helped Mum with a few jobs this morning, went to the kids Harvest Festival & then they have had their first Halloween themed party at Cubs this evening. They have taken a bit of settling after running around and eating sweets 🤨 but they seem quiet now, DS1 is really struggling to get up each morning so we're definitely on the count down for half term and a few lazier days!

    Today's PAD £7

    Debt Total £2855 (BCard £205)

    Debt Busting Again in 2026

    Starting Debt 03.05.26 £5345. Total 29.10.26 £2650

    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, cleared 29.10.26

    Challenge 4 - Clear Tesco CC: Starting Balance 29.10.26 £2650

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