We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Facing reality
Options
Comments
-
My topcashback has now moved from pending to confirmed and will take about 13 weeks to be payable.
Still no news on sofa, got another 4 weeks for decision.
Prolific is now at £5 so can cash that in.
Refund on coach tickets has been processed and been told to ring my old credit card company it's being refunded to next week to have it transferred to my account. Football tickets will be refunded in Feb to same card so be same process again.
Just waiting for my one poll to go through as well that's still pending and they say again to allow 28 days so two more weeks to go.
Hoping that with my save the change and bank rewards I should have enough to cover my hoover costs. Be good to go into Feb knowing I don't have to use my free CT payment to clear it.
Though Gas and electric bill has shot up from us both working at home. Housemate is cold all the time and keeps putting heating on ridiculous numbers like 30 so have moved the controls into my room. It's set to be at 21 all day and 23 in evenings as it gets colder. Plenty warm enough. I'm hoping it's just where she is unwell and taking antibiotics that she's so cold. But will have to see.
*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 my husband puts the heating up ridiculously high too! I think he thinks if you set it to 25 or 28 then it heats up faster... then he complains about being hot and opens windows 😂Part time working mum | Married in 2014 | DS born 2015 & DD born 2018
https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1
Consumer debt free!
Mortgage: -£128,033
Savings: £6,050
- Emergency fund £1,515
- New kitchen £556
- December £420
- Holiday £3,427
- Bills £132
Total joint pension savings: £55,4252 -
Bluegreen143 said:@Sarahwithlove my husband puts the heating up ridiculously high too! I think he thinks if you set it to 25 or 28 then it heats up faster... then he complains about being hot and opens windows 😂*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 -
Hello Sarah, you are doing very well accumulating refunds, cash back etc - it's great how it all adds up. As a fellow footie fan, I gave up b t sport at the start of lockdown 1 - it was an expensive add on to my sky package. Rather than feel like I'm missing out on it, I made a plan to make an event of listening to commentary on the radio by listening to the build up and having snacks etc during the game. I think that the commentators on the radio give more meaningful commentary and are less irritating than some of the tv pundits. I still have the main sky sports channels though. Saved a fair bit on giving up the B T package. In the unlikely event my team get through to the champions league final I'll have to devise a plan to actually watch that game 🥳2
-
Blackcats said:Hello Sarah, you are doing very well accumulating refunds, cash back etc - it's great how it all adds up. As a fellow footie fan, I gave up b t sport at the start of lockdown 1 - it was an expensive add on to my sky package. Rather than feel like I'm missing out on it, I made a plan to make an event of listening to commentary on the radio by listening to the build up and having snacks etc during the game. I think that the commentators on the radio give more meaningful commentary and are less irritating than some of the tv pundits. I still have the main sky sports channels though. Saved a fair bit on giving up the B T package. In the unlikely event my team get through to the champions league final I'll have to devise a plan to actually watch that game 🥳*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 -
Bluegreen143 said:@Sarahwithlove my husband puts the heating up ridiculously high too! I think he thinks if you set it to 25 or 28 then it heats up faster... then he complains about being hot and opens windows 😂2
-
Sarahwithlove said:Blackcats said:Hello Sarah, you are doing very well accumulating refunds, cash back etc - it's great how it all adds up. As a fellow footie fan, I gave up b t sport at the start of lockdown 1 - it was an expensive add on to my sky package. Rather than feel like I'm missing out on it, I made a plan to make an event of listening to commentary on the radio by listening to the build up and having snacks etc during the game. I think that the commentators on the radio give more meaningful commentary and are less irritating than some of the tv pundits. I still have the main sky sports channels though. Saved a fair bit on giving up the B T package. In the unlikely event my team get through to the champions league final I'll have to devise a plan to actually watch that game 🥳
Its proved invaluable during lockdown
2 -
Blackcats said:As a fellow footie fan, I gave up b t sport at the start of lockdown 1 - it was an expensive add on to my sky package.1
-
Sarahwithlove said:My topcashback has now moved from pending to confirmed and will take about 13 weeks to be payable.
Still no news on sofa, got another 4 weeks for decision.
Prolific is now at £5 so can cash that in.
Refund on coach tickets has been processed and been told to ring my old credit card company it's being refunded to next week to have it transferred to my account. Football tickets will be refunded in Feb to same card so be same process again.
Just waiting for my one poll to go through as well that's still pending and they say again to allow 28 days so two more weeks to go.
Hoping that with my save the change and bank rewards I should have enough to cover my hoover costs. Be good to go into Feb knowing I don't have to use my free CT payment to clear it.
Though Gas and electric bill has shot up from us both working at home. Housemate is cold all the time and keeps putting heating on ridiculous numbers like 30 so have moved the controls into my room. It's set to be at 21 all day and 23 in evenings as it gets colder. Plenty warm enough. I'm hoping it's just where she is unwell and taking antibiotics that she's so cold. But will have to see.Debt Free as of December 2020 👏
Save 12k in 2025 #6 - £300 / £3000
MFW - 19 months shaved off the mortgage1 -
efes_shareholder said:Sarahwithlove said:Blackcats said:Hello Sarah, you are doing very well accumulating refunds, cash back etc - it's great how it all adds up. As a fellow footie fan, I gave up b t sport at the start of lockdown 1 - it was an expensive add on to my sky package. Rather than feel like I'm missing out on it, I made a plan to make an event of listening to commentary on the radio by listening to the build up and having snacks etc during the game. I think that the commentators on the radio give more meaningful commentary and are less irritating than some of the tv pundits. I still have the main sky sports channels though. Saved a fair bit on giving up the B T package. In the unlikely event my team get through to the champions league final I'll have to devise a plan to actually watch that game 🥳
Its proved invaluable during lockdown*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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards