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.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Time to Face The Music

194959799100925

Comments

  • Pork roasting for us. Only because had chicken last 3 weekends 🤣
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £0
    *Total debt - £7000/£11641.17*


    Savings
    *Sinking Fund - £800/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • alt80
    alt80 Posts: 4,675 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Might give roast pork a go next week. Wife won’t do it, gets frustrated with the crackling haha.
  • Sun_Addict
    Sun_Addict Posts: 24,781 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Aw bless him, he looks so snug. My dog is constantly sniffing the air right now as the chicken is cooking. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • RelievedSheff
    RelievedSheff Posts: 12,711 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Happy Monday everyone.

    £251 paid of the HP loan today. Other than that it will be a no spends day.

    Breakfast, lunch and dinner will be from stores. Breakfast was cereals, the other half has taken his packed lunch to work, I think I might have some soup for my lunch today and dinner tonight is chicken enchiladas made with some left overs from last night's roast dinner.

    Todays jobs include:
    • working from home
    • vacuuming the house
    • dusting the house
    • load of washing
    • walking the dog x 2
    The other half is working this week but his boss has said that if work doesn't pick up this week then he will probably be put on furlough next week which is fine by us. It will give him a chance to get a few bits done in the house and the garden.
  • RelievedSheff
    RelievedSheff Posts: 12,711 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    edited 19 January 2021 at 3:05PM
    Balances Update 18.01.21

    Debt 1 = £0
    Credit Card 1 = £0 
    Credit Card 2 = £199 (£200 repayment 29.9% interest)
    Credit Card 3 = £3030 (£200 repayment 29.9% interest)
    Credit Card 4 = £5208 (£150 repayment 0% interest)
    Credit Card 5 = £8080 (£150 repayment 0% interest)
    HP = £3433 (£251 repayment)
    Furniture Loan = £623 (£16.82 repayment)

    Total Debt = £20573

    ISA = £320 (£50 per month added)
    Pennies Savings Account = £221.21 (Saved by rounding the bank balance to the nearest pound when logging on to online banking)

    Total Savings = £541.21
  • alt80
    alt80 Posts: 4,675 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Glad you’re using the furlough situation to your advantage and not getting down about it. 

    So close with card 2 now too. 👍
  • RelievedSheff
    RelievedSheff Posts: 12,711 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    alt80 said:
    Glad you’re using the furlough situation to your advantage and not getting down about it. 

    So close with card 2 now too. 👍
    No point getting down about it. We know his job will still be there when the situation improves again. People always need their cars repairing. 

    Card 2 will be paid off in a few weeks time. I'm getting impatient with it now, but am going to wait until the next payment date to clear the account and close the account down. Can throw the extra money at Card 3 then and get that balance reduced more quickly.
  • Sun_Addict
    Sun_Addict Posts: 24,781 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Get writing that list of jobs for him 😆
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • RelievedSheff
    RelievedSheff Posts: 12,711 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Get writing that list of jobs for him 😆
    He already has quite a long list to be getting on with :D 

  • alt80 said:
    Might give roast pork a go next week. Wife won’t do it, gets frustrated with the crackling haha.
    I've become a crackling pro over the last 12 months lol 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £0
    *Total debt - £7000/£11641.17*


    Savings
    *Sinking Fund - £800/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K 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.