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I am the obstacle and I am the path (to debt free...again)

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  • WinterWarrior
    WinterWarrior Posts: 6,101 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    That is so annoying...how dare they be late! Mine is much the same, it has a pay by/cut off date, but then takes a while to show the new statement...ggrrrr 
    I hope the wine and food are as good as they sound 😋
    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

  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    edited 16 April 2021 at 7:43AM
    So the balance showed up on my CC account and logged it in my signature. Looking forward to seeing the total of it all. 

    All the wine I bought is gone...oops. 
    3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
    Stocks and shares ISA: £1497
    Additional pension contributions £0
    Overpayment on mortgage: £0
    Big Renno..£0
  • WinterWarrior
    WinterWarrior Posts: 6,101 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    I have a random question that I can’t find the answer to on the help search...how do I view your signature? I seem to be able to see them if I’m not logged in, but the minute I log in I can’t see them anywhere? Maybe it’s just me! 
    As long as you enjoyed the wine all is good! 
    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

  • YAY!  Congrats on logging the new balance...such a good feeling!  

    My CC has an app that shows the live balance - takes 48 hours for payments to the card to show but other than that, I can see exactly what’s going on.  So useful (if a tad stressful!).

    That salad sounded effing fabulous.  The wine even more so 😁

    I’m on MFP too!  What’s your username and we can egg each other on to stick to our meal plans?


    Short term
    CC 1: £0/£3491 (finished Apr 21)
    LOAN: £1698/£3408 (finished Jan 22)
    Long term
    Student loan: £7562.66 (finished July 25)
    Mortgage 1: £75,326 (low interest)
    Mortgage 2: £25,025 (high interest - snowball focus)

    Goals
    Slush fund: 1050/5000 21%
    NSD/total days: 0/1
    Meal plan: 0/1
  • Sarahwithlove
    Sarahwithlove Posts: 3,318 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I follow a PT on insta who suggests that we should weigh daily and take average for the week as body naturally fluctuates or just weigh once a month. I too use mfp along with 16:8 fasting 
    *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/
  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    I have a random question that I can’t find the answer to on the help search...how do I view your signature? I seem to be able to see them if I’m not logged in, but the minute I log in I can’t see them anywhere? Maybe it’s just me! 
    As long as you enjoyed the wine all is good! 
    Oh! No idea sorry. 

    Just popped in to update all my CC balances. I am £556.72 off my first goal. 

    I am in a bit of a ditch. But only had one takeaway. 
    3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
    Stocks and shares ISA: £1497
    Additional pension contributions £0
    Overpayment on mortgage: £0
    Big Renno..£0
  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    So, marvellous news. Had a call last night telling me I am getting a pay rise from tomorrow, 1.5K uplift! Great stuff, and so pleased that I have done the job well enough in the past 3 months since I started to be recognised in this way. Amazing. So pleased. It's not that much money after tax etc, but you know every little helps!
    3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
    Stocks and shares ISA: £1497
    Additional pension contributions £0
    Overpayment on mortgage: £0
    Big Renno..£0
  • WinterWarrior
    WinterWarrior Posts: 6,101 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Fabulous news, well done you! 🎉🥳
    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

  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    Ok, so I have defo been missing in action! DGF and I have split up again...and not going back. Very sad, but it is the right thing. 
    Today I have been fiddling with the budget - with some amendments; reduction on a few bits and worked out my new salary. I have been doing snowballs, and have changed the debt repayment with that too.
    I am going to hunker down financially, after a few events that I have arranged, well 3 in total. I have some leave booked end of June / beginning of July. Day trips with a packed lunch, and a hip flask, and my Network railcard that will be!
    3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
    Stocks and shares ISA: £1497
    Additional pension contributions £0
    Overpayment on mortgage: £0
    Big Renno..£0
  • WinterWarrior
    WinterWarrior Posts: 6,101 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Welcome  back. Sorry to read about the split, but if it’s not right, it’s better to find out sooner rather than later!
    Well done on your new budget plan, you’ll soon get where you need to be.
    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

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