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After years of debt journey through my sensible 40s... and save a deposit for a house

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  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Snow has landed, looks like another day in the house.  I should be having my last day in Lanzarote today, come on spring we need you. 
  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Cracked and got a pizza delivered, though went for a smaller size than usual. Pmt and the snow has me feeling grumpy and fed up. I thoroughly enjoyed it and ready to draw the line now. Think if I hadn’t got the pizza it would have just went on all weekend and possibly into next week. Ready to get back on it in the morning. Watching The Serpant, Jenna louise Coleman is dressed stunningly in it. Motivation to lose weight in itself.  Plan for tomorrow is to clean the kitchen, visit the parents and make stew. Really hoping we get the milder weather this week the weather forecast has promised. I’m struggling with this cold weather. 
  • ooo that must be tough knowing you should have been on holiday. Good on you for getting the pizza. I love pizza. Yum! 
    I too have been watching the Serpent, very well done and wosit looks fab. My plan for 
    XXX
    Nevertheless she persisted.
  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    A bit of milder weather here now thank goodness, the drive to work seemed a bit brighter this morning as well. I do hope spring brings some end to lock down as it stands and some positives for all. Went to Poundland last night spent about a tenner, diet on track this week and hope to get a good chunk of my book read. Didn’t go fo Dorothy Koomson in the end, think I’ll save it for a holiday. Went for BA Paris The Dilemma.  Looking forward to declaring new savings amounts this week. 
  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well I’ve finished February’s book lol. I flew through it very easy to read. Expected a further twist though at the end. However would recommend. So that’s 2/12 down.  Would be a good poolside read. Will prob pick the next one soon and get ahead. My mum passed 2 on a while ago so il see if one of those takes my fancy. 
    I swear my mood has been instantly improved by the milder weather, I took a longer route home as it was a lovely afternoon for a drive. 
    Def going to look into getting one of those lamps that wake you up with light when I buy a house might be good for my overall mental health. 
    Work is still challenging feel like a lot of people offload on me. Trying to avoid and not get drawn into redundancy conversations etc better for my mental health. I did see it as somewhere were I could stay or a really long time if not until retirement but now I know I’ll need to move on for multiple reasons within the next 2 years. We have had 4 people resign recently due to the negative culture that’s being driven.
    i do think there is positive news with the easing of lockdown etc coming, so hopefully we will all feel a bit more free soon enough. 
    Started watching the circle USA on Netflix, enjoying it and I see a new Uk Version coming on. I never watched it before.
  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Went for Beth O Leary The Switch for Book No 3. My skin is so dry I feel like a crocodile at the minute, thinking it’s all the central heating! Another reason to look forward to spring. 
    Dental hygienist tomorrow, can’t say I like going or paying for it but has to be done. 
    Started a new pot on Monzo today for clothes, have a funny feeling our relaxed casual wardrobe days will come to an end when things start to go back to normal. Our CEO thinks you can only do your job in full on business attire :  /.  I will def need some new bits, shoes in particular. So starting a pot now seems a wise thing to do for when that day comes!
  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy to have lost another lb, 11 in total now since starting. Must keep going. 
    Last working day of the week. Someone commented I looked really fresh this morning I swear it’s the milder weather, it has really lifted me.
  • lantanna said:
    Happy to have lost another lb, 11 in total now since starting. Must keep going. 
    Last working day of the week. Someone commented I looked really fresh this morning I swear it’s the milder weather, it has really lifted me.
    Probably also the weight loss you feel better and eating better all helps. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Treated myself today, had a voucher for boots and some things I needed to get so off I went. Also hit Superdrug, safe to say I’ll prob not be going to either of them for quite some time now. Picked up some good things, things I needed and a few things I wanted to try.  Trying to get back into wearing make up again, I always did and then I just stopped abruptly in October not really sure why just fed up I think. 
    Went and got some grocery bits after so should just need atop up shop now on weds\thurs.  Dropped a few nice bits into the parents and saw them for a while too. 
    Just chopped up a big salad for the fridge and have a curry and bottle of wine in front of the tv planned. 
    Now that the dentist and spending spree is done it’s just money for groceries and petrol left. 
    Prob going to need to buy some new jeans and work trousers soon but I’ll be fine til next payday I’m sure. 
  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Work mate commented my skin looked flawless this morning so it was obviously money well spent on the foundation anyway lol. Nice bright day here but cold, had frost on the windscreen this morning. 
    Busy week in work trying to hit income target for the end of the week, too close to call at the minute and my drivers need a firm hand to get it in.  Getting far to lazy in lockdown ! 
    Hope we get some good news today about lock down, I think it will go a long way to lift everyone’s spirits a bit. 
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