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DancingInTheRain said:Belated happy birthday and what a lovely gesture from your Dad, class that as the 3rd big thing to affect your finances this month - no harm in focusing on a positive change instead of anticipating a 3rd negative one 😉 x*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 -
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How lovely of your Dad to help you and your brothers out.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
Save £12k in 2025 #1 £12000/£70002 -
I would agree on takeaways being more common and I agree with your assessment that it’s the ease of ordering! We don’t actually get takeaways very often, but I was surprised when chatting to a friend who told me she gets regular coffees, snacks and food Deliveroo’d to her house when WFH or will get a bottle of wine sent over etc of an evening. Surely getting a coffee & bacon roll delivered is a very expensive way of getting a treat but what do I know 😅 And I definitely think if it wasn’t so easy to order/pay she wouldn’t do it. I’m 34 too.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 -
enthusiasticsaver said:How lovely of your Dad to help you and your brothers out.*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 -
Bluegreen143 said:I would agree on takeaways being more common and I agree with your assessment that it’s the ease of ordering! We don’t actually get takeaways very often, but I was surprised when chatting to a friend who told me she gets regular coffees, snacks and food Deliveroo’d to her house when WFH or will get a bottle of wine sent over etc of an evening. Surely getting a coffee & bacon roll delivered is a very expensive way of getting a treat but what do I know 😅 And I definitely think if it wasn’t so easy to order/pay she wouldn’t do it. I’m 34 too.*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 think keeping “easy” options in (like pizza) is key to avoiding takeaways. I don’t mind a takeaway if I’ve planned one as a treat and it’s something delicious. But I hate just getting one through being disorganised and having nothing easy to cook.Luckily I don’t drink coffee so I’m safe from the temptations of drive through coffee or picking up a cup to go when out 😆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: £55,4251 -
Bluegreen143 said:I think keeping “easy” options in (like pizza) is key to avoiding takeaways. I don’t mind a takeaway if I’ve planned one as a treat and it’s something delicious. But I hate just getting one through being disorganised and having nothing easy to cook.Luckily I don’t drink coffee so I’m safe from the temptations of drive through coffee or picking up a cup to go when out 😆*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 don't drink coffee either (or any hot drinks in fact).
Lovely gift from your Dad."If you can dream it, you can do it". Walt Disney1 -
It’s not through frugal virtue I just really really hate the taste of coffee 😂
Hmm, no, it wouldn’t cross my mind to get something to go from a coffee shop 😜 I do buy hot chocolates if I’m actually sat in a cafe with people (rare) but wouldn’t buy one to carry about. If too hot in the summer and water isn’t cutting it I tend to just pick up a nice cold fizzy can at a corner shop, haven’t tried coolers.I do drink (unsweetened and no milk) tea but only average about one cup of tea every two months, usually if someone is offering me one (which doesn’t happen much as my friends know I usually say no).You’ll be unsurprised to learn that due to low exposure I’m really sensitive to caffeine (need to be careful with soft drinks in the evening) so that puts me off getting more into tea as it affects my sleep 😂
(I hasten to add, I do spend on both alcohol and soft drinks at the pub and alcohol for at home - in case I was sounding too frugal 😜)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: £55,4251
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