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Facing reality
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Ooo, been eyeing up a Shark for months and have heard really good reviews from a few colleagues who have them. Unfortunately, I have a Dyson Animal for deep clean on the weekend and Dyson stick for quick cleans through the week so can’t really justify a Shark yet!MFW 2022 #71 £4400/£44004
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They are good and surprised how much fur they got up despite having hoovered the front room that morning.*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/4 -
Just read through.
So sorry about the loss of your mum. It really is hard losing a parent.
You’ve done incredibly well!
Reading about the things going wrong is literally my life! Something breaks or needs repair and this is when the damn finances take a hit 😢
At times it’s never ending, things going awol on us 🙈Savings - Emergency fund £600.17/5000
Debt free January 2021! (Was savingmummy)3 -
A bit gloomy, but I found life got less stressful when I accepted things going wrong is normal life, and things not going wrong is a bonus!.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
mark55man said:A bit gloomy, but I found life got less stressful when I accepted things going wrong is normal life, and things not going wrong is a bonus!.Savings - Emergency fund £600.17/5000
Debt free January 2021! (Was savingmummy)3 -
mark55man said:A bit gloomy, but I found life got less stressful when I accepted things going wrong is normal life, and things not going wrong is a bonus!.
Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214 -
astrocytic_kitten said:mark55man said:A bit gloomy, but I found life got less stressful when I accepted things going wrong is normal life, and things not going wrong is a bonus!.
August 2019: £28.8k
November 2020: £0 (0% interest)
My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320
4 -
Supertryer said:Just read through.
So sorry about the loss of your mum. It really is hard losing a parent.
You’ve done incredibly well!
Reading about the things going wrong is literally my life! Something breaks or needs repair and this is when the damn finances take a hit 😢
At times it’s never ending, things going awol on us 🙈ryanm8655 said:astrocytic_kitten said:mark55man said:A bit gloomy, but I found life got less stressful when I accepted things going wrong is normal life, and things not going wrong is a bonus!.
*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/2 -
Things going wrong is annoying and I suppose justifies the wise people urging us to have an emergency fund. I had two unexpected / unplanned for expenses last year. Firstly cat dentistry 😼 and secondly car related. I really struggled to bring myself to dip into my emergency fund though. I juggled budgets and managed to keep emergency fund intact. This year I've set up a savings pots for pets and another for car as I realise I should anticipate potential costs.
glad you like the new Sha*k - I'm always amazed at the amount of "stuff" that comes out of my carpets - I'm surprised the carpet doesn't go bald.2 -
Blackcats said:Things going wrong is annoying and I suppose justifies the wise people urging us to have an emergency fund. I had two unexpected / unplanned for expenses last year. Firstly cat dentistry 😼 and secondly car related. I really struggled to bring myself to dip into my emergency fund though. I juggled budgets and managed to keep emergency fund intact. This year I've set up a savings pots for pets and another for car as I realise I should anticipate potential costs.
glad you like the new Sha*k - I'm always amazed at the amount of "stuff" that comes out of my carpets - I'm surprised the carpet doesn't go bald.*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
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