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Facing reality
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SSTJCKel said:Sarahwithlove said:*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 -
I use freeveiw but i'm in a restricted area so only get a handful of channels so as the property has a sky dish I bought a Humax freesat box and now get the full range of free channels at no cost.1
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SSTJCKel said:I use freeveiw but i'm in a restricted area so only get a handful of channels so as the property has a sky dish I bought a Humax freesat box and now get the full range of free channels at no cost.
I'm certainly leaning towards going to just broadband and using my firestick and sporys on mobile app. If change my mind then can always get sports via now TV.*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 -
Had a play around with YNAB and have put my pots back into individual pots rather than one sinking Fund. It helps me to better see where I am with topping them up and can prioritise in terms of what bills are due next. Feel much better about it now. Next few months I have decided to just pay min payment on card (£25) and focus on getting my funds back up as have had a lot of unexpected expenses lately and I know I have a few jobs around the flat that need doing this year.
My birthday tomorrow so have next two days off work for a long weekend. My dad gave me £50 to get myself something so have put it to one side for now whilst decide what I want to do with it. I've been debating getting a new laptop as mine seems to have given up the ghost. But I can pretty much do everything on my ipad so wonder if I really need one. I might hold off for a few months and decide then. I'd only really be using it for my course I want to do. But am wondering if I could use my work device for it or my ipad again.
*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 -
Have a lovely birthday tomorrow 🎂1
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Happy birthday for tomorrow Sarah 🎉Debt Free as of December 2020 👏
Save 12k in 2025 #6 - £300 / £3000
MFW - 19 months shaved off the mortgage1 -
Happy birthday!
A long weekend off sounds like a nice way to celebrate. I hope you manage to have some fun
Have you asked the people who run the course what sort of devices they support? I'm considering doing a distance learning course myself and in the online open day they were quite explicit that they support Windows and OS X, and you could do a lot with 'anything that needs a browser' but there were certain programs they wanted us to use that don't have tablet versions. That could make the decision for you?
Start Debt Jun 2020 = £10,036 - Current £5,894 | #324 £1,000 Emergency Fund Member - £2051 -
Happy birthday Sarah 🥳 🥳
Enjoy your time off x1 -
Happy birthday Sarah 💐MFW 2022 #71 £4400/£44001
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Hip-Hip Horraaaaay 🎉 Happy Birthdsy Sarah 😊1
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