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  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    Thanks all. 
    @alt80 I don't have a credit card anymore- I'm on a DMP so they all defaulted once I started that and the banks cancelled my cards. As part of the DMP agreement I'm not allowed to take out any more credit unless I talk to them first (I don't want to do that anyway) I own 5 pairs of shoes overall (heeled boots, lovely boots, trainers, gym trainers and work shoes) so there's not much scope for lots of multiples at the moment. Plus with my credit use and terrible credit score there is absolutely no way anyone would be giving me a credit card now! (not that I want one)
    However I can pull it off :) - I have 3 outfits for work that are decent quality (was bought a next clothing voucher as a collective birthday voucher a few years ago) so that's enough to make sure I'm always in clean clothes which is the most important thing. After next summer I'll be able to give myself a small clothing budget each month so I'll build my wardrobe into something decent then. 

    It's a possibility that the June budget could be tweaked. I'm not giving myself my usual budget of £25 to spend on myself next month as my car radiator is leaking and it's booked in at the garage next Tuesday so I've put that £25 towards the repair costs. I'll see how much the repair costs and then make a decision. At least it's dry for the rest of the week! :smiley:
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • Sarahwithlove
    Sarahwithlove Posts: 3,318 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I would use the rocket dog shoes and replace them in the future if needed. My rocket dogs lasted me ages and took a lot of wear and tear I don't see point in spending money on a decent pair of shoes to never wear them. They are designed to take more use. 
    *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/
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    Yes I'm thinking something similar if i can't budget for replacement shoes need month.
    At home I either wear the rocket dog boots or my trainers so they are worn frequently at the moment so making them work shoes as well would mean them being worn 7 days a week.
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,804 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Have you tried the Next clearance section for work clothes & shoes? My budget is very tight but when I get to the point of praying for dry weather so I don’t get wet feet from leaky shoes ( and I’ve been there) I’ve found some bargains on that area of the site . Tailored work trousers for £5 and boots reduced from the £60 mark to £10. Its helped me to afford smart work clothes at low cost.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    Thanks both for the suggestions, I'll set some ebay searches up and have a look at the next clearance sale next month. 
    Bottom line; 
    £49k paid off 
    Car HP paid off
    Debt Free!
    Saved Escape fund and moved out. 

    Current focus; saving Emergency fund
  • WinterWarrior
    WinterWarrior Posts: 6,086 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Fabulous win with the bikes, well spotted!
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Amazing about the bikes! 
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