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Keeping on the Straight and Narrow...
Comments
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Brilliant compromise. I think paying down debt is important, for me it was such a relief not to owe moneys d now I tend to transfer money to a pot when I used a credit card. No more nasty surprises that way. But you are so good with PAD savings willquickly accumulate.
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Thanks all, I'm relieved that DH and I both agreed in the end, I'm utterly desperate to get rid of the debt but I didn't want DH to feel forced down a route he doesn't want to take so it was important we reviewed everything together and came to an agreement.
I've got a day off today and it's dry but cold so after dropping the boys off at school I went for a walk along the coast which was bracing to say the least! I enjoyed it though and had bagged 10,000 steps by 10am so that was a great start to the day.
Since coming home I've given the kitchen and living room a good clean & tidy and done a bit of a stock take in the kitchen as I've lost track of what exactly we had in with being away at the weekend and then straight into work.
I'd taken Mum shopping yesterday and picked up a few groceries which was the first shop since buying supplies for our trip last Friday but there's a few more items we need so I've put a list together and will get those tomorrow so I can keep today as a NSD.
Mum bought the boys some sparklers so we're going to light these in our garden after tea which will be a combination of hot dogs, jacket potatoes and chilli. DS2 wants us to eat outside but I'm not feeling that brave 😂 We're hoping to see a few fireworks but we haven't bought any ourselves, we're going to an organised display on Saturday instead.
£3 voucher redeemed yesterday so added to today's PAD.
Today's PAD £5
Debt Total £2469
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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We enjoyed our sparklers last night and got to see a fair few fireworks going off which pleased the boys.
Another day off for me and another dry day, I walked and the boys scooted the mile to school and then I popped in to visit Mum.
We decided to have a walk along our high street, cashed in a winning scratch card (£5 to add to the PAD)) that had been in my purse for a while and we popped into H£ron's so that I could get the items I missed earlier this week. Their Xmas magazine is out (our store had them on the checkout) and it contains a £2 off £20 spend for Nov and another for Dec so will make use of those in the coming weeks.
Walked back home and have put a wash on, put away yesterday's washing and cleaned the bathroom. Planning on tidying bedrooms this afternoon but first I'm enjoying a bit of time to myself while all the boys are out at school/work.
Today's PAD £7
Debt Total £2462
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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I had an unplanned but lovely night at the cinema with a friend last night, we're both massive George Michael fans and the cinema in the next town to ours was showing the Faith Tour film so we made a very last minute decision to go and watch it. Oh we enjoyed it so much 😍 I was lucky enough to see him in concert about 25 years ago and it was one of the best gigs I've ever been to so it was fab to recreate some of that experience. We may or may not have been singing along, thankfully we didn't have anyone sitting close to us 😂
Back to reality today, I've been at work. It was slightly busier than I thought it would be but that made the day go in quickly. We're just about to get ready to go out to an organised bonfire/fireworks display , looking forward to spending some time together and it's still dry but cold here so as long as we wrap up warmly we should be in for a great evening.
Today's PAD £2
Debt Total £2460
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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I bet you will have a fantastic evening!
PBs £3050 (including £1k EF, £1k Christmas & £1050 Little Dreams pot)
24/26 books for 2026Take the time to find the joy in each day
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Another thing in common 😂. I love GM, I’ve booked to see this at our local cinema on Wednesday and I’m really looking forward to it. I saw him on his 25 tour and he was amazing!
My daughter loves ‘father figure’ so I’ve convinced her to come with me, I think the song was in a recent film or TV show 🤔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!3 -
Oh you'll both love it @ohdearhowdidthathappen I've still got that post concert buzz from watching the film on Friday 😂 it was so uplifting & joyous to watch.
The fireworks last night were amazing, not sure if the organiser had quietly won the lottery or not but the display went on for ages and was absolutely epic, there was also free drinks and snacks for the children on entry (which was also free) so we had a fantastic free evening with the bonus of my bag full of drinks and snacks that I'd taken being brought back home untouched!
I'm heading out soon for a short shift at work, finishing ealry so that DH and I can take the boys to join their Scout group in the local Remembrance Day parade and service, DS1 is feeling a little nervous as he's been asked to be a flag bearer but we have every confidence that he'll do a great job
Used a £5 ama3on voucher to put towards a couple of Xmas gifts this morning, so added that amount to the PAD.
Today's PAD £7
Debt Total £2453
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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Well DS1 was nervous/tetchy all day leading up to the parade, DH spent the morning ressuring him, as did I when I got home from work. We were a bit worried about him doing it but once he got to the meeting point he seemed to relax.
DH and I went to meet our brothers/sis-in-laws and my Mum at a specifice place so both boys knew where to find us. Once the parade was underway, both boys gave us a massive grin as they marched past us and then DS1 in particular coped very well with being in front of a packed church and then a packed memorial gardens for the commemoration, we were super proud of him and DS2 (first parade for him). As a little reward we've ordered them the new Tom Gates book as it was on a deal for £3.97 today so a great price and one to add to their growing collection of this series.
I also spotted a good deal stack on the £85 8oots no7 Ultimate Skincare collection this evening on social media - by using a star gift discount code and utilising some offers on my advantage card I managed to get the price down to £19! These are products I like to use but only when I can get a decent price on them so this was an unbelieveable bargain. DH covered the cost and will put away as a Christmas gift for me then we paid using a Jam D0nut voucher, also earned 57 advantage card points.
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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Well done to your boys 😍
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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 -
That’s a bargain on the B00ts stuff 😁
Well done to your boys, those parades annd services are really busy and they last for ages!!
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
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