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Keeping on the Straight and Narrow...
Comments
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Nearly in the £100’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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 9 months left.1 -
Now in the £100's! Thanks to catching a few small surveys on Pro!ific over the last few days, cashed out today and £6 added to today's PAD.
It's been a long day today, I was wide awake at 530 so I got up and did a few little jobs before everyone woke up. Traffic was good for once on the school run meaning I was at work 20 minutes early, I decided to take advantage and have a quick 15 minute walk while the weather was dry. Was pleased I did as it helped keep me feeling energised and then once I got back to the office the weather turned awful. Work was quite hectic today and then when I finished I immediately had to pick the boys up and head straight to swimming, this is literally my first 5 minutes I've had to myself today, really struggling to keep my eyes open.
DH has had a similarly long day, he's been at a site 40 miles away and driving conditions were horrendous for him coming home which added an extra 45 minute to his commute so we're both feeling tired. At least if we're asleep early it will remove the temptation to put the heating on 😂
Today's PAD £8
Debt Total £2847 (BCard £197)
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
1 -
🎉. 🎉. 🎉
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.1 -
Yay to the number starting with 1!
Definitely heating weather 🥶
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!1 -
Just catching up (in the middle of a sleepless night) and love that you’ve been buying then wrapping gifts in advance. That’s impressive!
Feel you on the non-stop days. We’ve had a week of busy work days with child duties added on. Roll on half term!PBs £2600 (including £1k EF, £1k Christmas & £600 Little Dreams pot)
24/26 books for 2026Take the time to find the joy in each day
1 -
Thanks all 🙂
Not getting too cocky about wrapping Xmas gifts, just getting those gifts for outside the house organised where possible as the boys haven't got a single idea of what they would like for Xmas so December may end up being a mad dash to sort them!
£10 voucher redeemed from Snapmy3ats today.
£2 PAD
Debt Total £2845 (BCard £195)
Off to see who gets murdered in plain sight 😂
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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What did you think of the victim? Sad way to go 😂
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!1 -
It was. I felt like a disappointing way for anyone to leave however, given their reactions to earlier innocent interactions perhaps it was karma? 😂
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
0 -
Well that's been a weekend and a half thanks to storm Boelo! We were due to attend a Halloween themed event with the boys and our niece yesterday which would have involved a 250 mile round trip. The venue still went ahead with the event so, as we'd pre-booked our tickets,we lost our £75 entrance fee money but with the way the storm played out we'd have been in danger as it would have been in the peak of the storm, 3 of the roads we would have had to use had significant traffic incidents so it was the correct decision, although a bit disappointing. Our niece still spent the day with us and then stayed for a sleepover so the 3 kids have had fun building a den in DS1's room and gaming/watching films. DH and I have only seen them if they've needed fed and/or watered 😂
DH and I spent a chunk of time outside yesterday morning securing the trampoline and moving any lighter items into the shed. We also checked that both our Mums had supplies in and torches/candles, etc to hand in the event of a power cut. We've been out to assess the roof and the garden this morning and we seem to have escaped unscathed thank goodness as there's been a number of incidents in and around our town, including the neighbouring village being without power for much of today, so we've been very lucky. My place of work has an anemometer onsite and the wind speed hit 87mph through night, scary stuff.
As we've been in the house most of the weekend we've just enjoyed a slower pace and relaxed. The slow cooker has earned it's keep this weekend, we made a curry in it yesterday and have a beef stew in it today.
Still no sign of the bank switich incentive, will follow that up later this week once the deadline has passed. The missing V parcels are still missing. I've been in touch with my buyer this morning to guide her through contacting V to report that item as lost so that we can both get refunds sorted. There's been a lot of AI surveys on Pro!ific today and I've cashed out £31 which has massively boosted today's PAD after a couple of days of the standard £2.
Debt Total £2808 (BCard £158)
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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Just spotted this online, a fabulous description of how I spent much of the stormy weekend ☺️
Currently at a free fun swim session the boys get as part of their swimming lesson package, they're burning off a lot of energy & having lots of fun and I'm sat with a coffee in my travel mug and splitting my time between watching them and catching up on diaries, not a bad way to spend an hour ☕
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
4
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