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Facing reality
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joedenise said:Yes I'm Tier 4 too and I agree it's harder this time round. Doesn't help that the weather is so miserable and it gets dark so much earlier. But it's just a case of putting up with it and hoping that we can get our of Tier 4 sooner rather than later although from the messages from Patrick Vallance yesterday it looks even more of the UK is likely to have to move into Tier 4 too soon. Not sounding very positive at all. Still it's not long until Christmas and the New Year and hopefully 2021 will be better than 2020 - well eventually anyway!*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3 -
fellow tier 4'er here. I'm pretty sure the rest of the nation will follow suit , theres talk as soon as boxing day.
Seems inevitable that although being back in lock down ( which is effectively what we are) may take the pressure off the NHS ,its ultimately going to transfer the problem to other regions of the country.
I don't envy anyone whose job it is to try to keep the economy stable and the NHS manageable.
There will be rule breakers across all tiers which is even more frustrating for the people who are following guidance trying to put an end to this
I sincerely hopes he keeps the schools in lockdown too in the new year.
I can't see any of my kids on xmas day , thats never ever happened in their life time and even though they are now in their 20's its still disapointing but not unexpected.
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Bit behind with your diary, so have skim read to catch up! We're in tier 4 too, it's rubbish. Had got used to a bit of freedom again and it's gone. Bit put out that they randomly invented a tier... if they keep schools shut, I'll be very put out. I'm not convinced any measures will help, it's a virus and will spread.DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved2 -
efes_shareholder said:fellow tier 4'er here. I'm pretty sure the rest of the nation will follow suit , theres talk as soon as boxing day.
Seems inevitable that although being back in lock down ( which is effectively what we are) may take the pressure off the NHS ,its ultimately going to transfer the problem to other regions of the country.
I don't envy anyone whose job it is to try to keep the economy stable and the NHS manageable.
There will be rule breakers across all tiers which is even more frustrating for the people who are following guidance trying to put an end to this
I sincerely hopes he keeps the schools in lockdown too in the new year.
I can't see any of my kids on xmas day , thats never ever happened in their life time and even though they are now in their 20's its still disapointing but not unexpected.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3 -
so lovely to be by the beach - would certainly get me out the house a lot more often.
apparently Tier 5 was trending on twitter, but as a joke more than reality - although I can't help feeling there may be more to comeI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
mark55man said:so lovely to be by the beach - would certainly get me out the house a lot more often.
apparently Tier 5 was trending on twitter, but as a joke more than reality - although I can't help feeling there may be more to come*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3 -
Sarahwithlove said:mark55man said:so lovely to be by the beach - would certainly get me out the house a lot more often.
apparently Tier 5 was trending on twitter, but as a joke more than reality - although I can't help feeling there may be more to come
Get you on the not really doing anything anyway but still hating it. For me it’s the lack of freedom and also no end in sight...August 2019: £28.8k
November 2020: £0 (0% interest)
My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320
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Hi Sarah, just catching up. Sorry to hear about your Christmas plans & tier 4. You are doing so well, think of where you'd be if you didn't have your savings and adjusted spending! Sorry to hear you're having back problems too, I really hurt my back once and paid to see all sorts of people. The only thing that really helped it was time and rest.
I'm in Northern Ireland and we went into complete lockdown again from boxing day. We still had Christmas day which was nice but it's surreal being back in lockdown again. Even essential shops close at 8pm this week. I think we just need to day each day as it comes and get through it as best we can.Debt Free as of December 2020 👏
Save 12k in 2025 #6 - £300 / £3000
MFW - 19 months shaved off the mortgage2 -
ryanm8655 said:Sarahwithlove said:mark55man said:so lovely to be by the beach - would certainly get me out the house a lot more often.
apparently Tier 5 was trending on twitter, but as a joke more than reality - although I can't help feeling there may be more to come
Get you on the not really doing anything anyway but still hating it. For me it’s the lack of freedom and also no end in sight...*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
CreditCardJunkie said:Hi Sarah, just catching up. Sorry to hear about your Christmas plans & tier 4. You are doing so well, think of where you'd be if you didn't have your savings and adjusted spending! Sorry to hear you're having back problems too, I really hurt my back once and paid to see all sorts of people. The only thing that really helped it was time and rest.
I'm in Northern Ireland and we went into complete lockdown again from boxing day. We still had Christmas day which was nice but it's surreal being back in lockdown again. Even essential shops close at 8pm this week. I think we just need to day each day as it comes and get through it as best we can.
Today would have also been my mums birthday so always a bit of a sad day for me.
Take care everyone and happy new year.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3
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