We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 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!

Time to Face The Music

1700701703705706921

Comments

  • ladyholly
    ladyholly Posts: 4,020 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Our dog chases birds, cats etc (not seen a squirrel yet) but ignores the fish in our pond. Possibly because they are a constant in his life.
  • beanielou
    beanielou Posts: 96,615 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that a good time was had by all.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Not sure what our dog would make of the aquarium, he chases rabbits, squirrels and birds but I’ve not seen him with fish yet… might have to try him haha
    Ours is fish mad. He loves watching them.
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    The start of another working week. How did it get to Monday so quickly?

    Breakfast, lunch and dinner will be from stores. Breakfast was toast, we have both taken our packed lunches to work and dinner tonight is the chicken legs from last nights roast dinner served with rice, onion rings, corn on the cob and coleslaw.

    Tonight's jobs are:
    • walking the dog
    • weekly shop
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Almost forgot it's payday :) 

    £200 sent to the savings account, £100 sent to the premium bonds account and the additional £150 from my pay rise has gone to the savings account this month for some extra spends in France.

    Balances Update 31.07.23

    Furniture Loan = £0 (Account Settled)

    HP Car Loan = £0 (Account Settled)

    Debt 1 = £0 (Account Settled)

    Paypal Credit = £0

    Credit Card 1 =£0 (Account Closed)

    Credit Card 2 = £0 (Account Closed)

    Credit Card 3 = £0 (Account Closed)

    Credit Card 4 = £0 (Account Closed)

    Credit Card 5 = £0 (Account Closed)

    Credit Card 7 = £0

     

    Credit Card 6 = £9563 (£300 repayment 0% interest until July 2024)

    HP Motorhome Loan = £12977 (£393 repayment final payment April 2026)

     

    Total Debt = £22540

     

    Savings Account = £550

    Premium Bonds = £1300

     

    Total Savings = £1850


  • I can't believe how quickly the motorhome loan is coming down!  It was clearly a great investment but it'll soon be a fully funded asset.
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £3107
  • alt80
    alt80 Posts: 4,663 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Always good to see your progress @RelievedSheff
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Thanks both.

    It is satisfying to see the balances heading in the right direction.

    Looking forward to April 2026 when we can finally say we are debt free. 
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    I can't believe how quickly the motorhome loan is coming down!  It was clearly a great investment but it'll soon be a fully funded asset.
    It does seem to be flying by. Won't be long until we are half way there with the repayments. Only another couple of months. It's all downhill from there  :D
  • milann
    milann Posts: 11,502 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    We’ve been to Matlock Bath a couple of times in the past year. It’s just the right distance for a walk along the river and of course the fish and chips….we’ve tagged it onto a visit to the farm shop of the big stately home not far away.
    Love the way your totals are looking.
    January spends - £587.58
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.