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Time to Face The Music

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  • amber03
    amber03 Posts: 1,360 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Even tho it’s been a bit windy here, it’s been warm. Which is annoying as I rushed out without pegging out the washing this morning. Thinking of going to a garden centre next weekend to have a mooch around. Every 2 or 3 weeks I have a ME day, where I go off by myself as usually somebody tags along with me when I go out.  So feel like a wonder around a centre especially as they are all christmassy.x
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • milann
    milann Posts: 11,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Beef sounds delicious 👍
    Enjoy your ME day amber
    January spends - £587.58
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    milann said:
    Beef sounds delicious 👍
    Enjoy your ME day amber
    The beef was absolutely beautiful last night. So tender and tasty.

    We don't have beef very often but always enjoy it when we do have it.
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    £393 sent to the motorhome loan today.

    The start of another working week today. Not sure where that weekend went. Looking forward to heading out in the van this weekend. It's been nice having a couple of weekends at home but I'm ready for a weekend away now.

    Breakfast, lunch and dinner are from stores today. Breakfast was toast, we have both taken our packed lunches to work and dinner tonight is pork in black bean sauce, noodles and spring roll.

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

    Balances Update 21.10.24

     

    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 6 = £0 (Account Closed)

     

    Credit Card 7 = £4860 (£380 repayment 0% interest until November 2025)

    HP Motorhome Loan = £7082 (£393 repayment final payment May 2026)

     

    Total Debt = £11942

     

    Savings Account = £1200

    Premium Bonds = £2800

    Investment ISA = £700

     

    Total Savings = £4700


    Under £12k total debt now. 
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great totals. 
    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.
  • milann
    milann Posts: 11,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Numbers looking good 👍
    January spends - £587.58
  • alt80
    alt80 Posts: 4,655 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    You’re under £7250 with the savings offset. Well done! 
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Decided to get started on the Christmas shopping this lunchtime. Got the nieces and nephews presents bought which is a big chunk of it done. They should be delivered this week.

    The other presents we are doing are hampers again made up from stuff we have picked up on our travels. These always go down well and picking bits and bobs up as and when throughout the year spreads the cost out over the year.

    I think I will start wrapping once this lot has arrived.

    I have started picking up some store cupboard items as well with the weekly shop. Last week it was cheese biscuits and posh stuffing. This week I think it will be part baked bread rolls to go with the fish soup we picked up in France.

    We already have the turkey and all of the Christmas meats in the freezer and a selection of French cheese so we are probably not that far off done with the food shopping other than fresh veg nearer the time.
  • joedenise
    joedenise Posts: 17,771 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You sound really organised for Christmas!  The only thing we have so far is the Christmas meat in the freezer!  Presents we don't need to worry about as we just transfer money to everyone apart from a couple of friends.  We have already bought for one friend but not the other but no idea what to get her!
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