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Giving every £ a job
Comments
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Don't forget to go through cashback sites when booking holibobs, if you're spending larger amounts you can get a decent few quid back towards your next triphttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael2 -
That sounds like a good plan! We have a "Holiday pot" for our main trip, then the "Joint fun" accounts tends to pick up the tab - or at least contribute towards - weekends away and things like that. As and when we have another proper "holiday" to account for in a year, we ring-fence the money in to the joint fun account for a while to cover that - with our personal spends taking over the cost of the random trips, days out etc.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Sounds like a good plan having the different holiday pots. You should be able to enjoy your retirement guilt free*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
*Total debt - £7000/£11641.17*
Savings
*Sinking Fund - £800/£2500
*Emergency Fund - £1000/£1000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Are you going somewhere lovely in June?1
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It's fabulous isn't it SA. I also love the support and encouragement people give and there's never any judgement even if we've had a wobble or done something daft.Sun_Addict said:I love it when an idea is being pondered and people chip in with their thoughts. I've picked up some brilliant tips on these diaries.2 -
Cashback adds up nicely. I've "earned" £1700 in total from £co over the years that Ive been using it. I check for discounts on my blue light card and got 10% off next year's ferry costs.PennysIntoPounds said:Don't forget to go through cashback sites when booking holibobs, if you're spending larger amounts you can get a decent few quid back towards your3 -
@Alchemilla - we are going back to Guernsey which seems to have become one of our favourite places. Mind you with views like this from our window it's hardly surprising.
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What an amazing sunset!I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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That looks awesome!
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1242 -
How lovely!Blackcats said:@Alchemilla - we are going back to Guernsey which seems to have become one of our favourite places. Mind you with views like this from our window it's hardly surprising.1
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