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This time, I'm doing it!

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  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    Good work...keep going. 
    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
  • Sarahwithlove
    Sarahwithlove Posts: 3,318 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Great news on getting the debt down. Keep going. I felt awful for first 48 hrs after my jab then my arm kept hurting for about 10 days. It now feels OK but still have a bump on my arm 🙈 just glad it's not painful anymore 
    *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/
  • It has been an odd couple of weeks, I had the last week in March off work, then went back into work to find myself faced with the option of applying for another job - I was approached concerning the job which although is slightly lower in money, will no doubt do me the world of good, to get away from the troubles of the past couple of years and, what's more, there will be no interaction with the 'nasty one'. I have decided I will apply and am willing to lose a little money, as I'll make up for it with a better outlook on life, and if being in debt  and going into a dmp has taught me anything, it's that you should always put yourself first - no matter what, do the best for you.  I'm still trying to save a bit here and there, I have a debt just shy of £500 that I would like to clear next.

    The shopping budget is being kept to which is good news - I still have money left over and I get paid on Friday - I haven't been in this position for a very long time.  Mind you, the brakes on the car are getting squeaky and I have to have a tooth out soon, so there's the money gone, but at least I have the money for it.

    One last thing, I started WW again recently, and I'm four pound gone - next weigh in on Wednesday.

    I'm feeling happy to be looking forward again.
  • beanielou
    beanielou Posts: 95,338 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That's good news then.
    Happy to be looking forward again is good.

    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.
  • Quick run through... back in April was approached about the other job then, all went quiet. Talk of budgets etc. Then very long and drawn out story short, I had an interview a couple of weeks ago and was offered the job. Hooray 😀. Now I'm waiting on a start date, it's all getting complicated with when I can move across so I decided to take some leave for the next week in the hope something will be sorted by the time I go back 🤔. Also have my second jab this weekend 👍.
    I've had a busy month spending wise, not as good at budgeting as I thought. Must watch that, especially as I'll be earning less.  But, I will be well away from the thorn in my side 🐍and that means more to me. 
    WW was going great, then I went crazy for crisps and wine and made a proper pig of myself. Anyway  I'm trying again, logging everything and I'll see how I go. I've also had my check up with dr and all good but she confirmed losing weight post-menopause is really difficult and not to be discouraged. 
    DD still working hard bless her. Theory driving test coming up🤞for her.
    Looking forward to another lovely day tomorrow. 

  • Yesterday, met a friend for lunch, was lovely to catch up and get out for a while. Today I have been to the cinema  and have done an online shop. I haven't done one of those for a while because I've just been going and getting when needed, but I have found myself slipping and buying things I dont need, so decided to do it online and get it delivered- came to £50 so I'm pleased with that. Have started to re-assess things and tomorrow am looking at the bill's in order to get them down a bit. I'm sure there are savings to be made.
  • Congratulations on the new job role!
  • Thank you DayDreamer... I'm looking at it as a fresh start (even though it's with the same company).
    I am starting to get anxious regarding my 'off the wagon' living lately: spending, losing sight of saving for debt clearance, over-eating etc. Overhaul required 😧. Unfortunately I have these lapses of motivation but I guess we all do from time to time. 
    Anyway, it's raining here now, which has broken the mugginess so all good. Today will see me focus on house cleaning 😟 - need I say it's another area I need to address.  So my goal today is hoover throughout,  clean bathroom,  kitchen and living room. I must say I'm glad the shopping is coming to me and I dont have to go to the supermarket. I'm going to keep this up. I thought my way of ad-hoc shopping was working but in reality I know planning and organisation is key and for the first time in a while,  i know what I'm doing for tea for the week - no brainer really 👍.
    Having a cuppa now, then will crack on. Have a good day.
  • CRANKY40
    CRANKY40 Posts: 5,907 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    Well done on taking control. I make a "to do" list when I start to feel like things are slipping. I need to make one today actually instead of sitting here having vague thoughts about what I should be doing 🤣
  • Hi there, I just came across your diary and I have to say you are doing fantastically well!  The amount  of debt you've cleared is no mean feat and I applaud your decision to go for the new role despite a small decrease in pay I'm certain your mental health will feel the benefit.  You spend far too long at work to do something or go somewhere that makes you unhappy. 

    Well done on the meal planning and budgeting. We have always been meal planners but the odd top up, take out or trips to the pub can add onto our weekly spending. Especially as we are now allowed out again.  I've subscribed and will be here to cheer you along, I find that posting 2-3 times a week really helps me focus, even if I'm chatting to myself! :D :smile:

    Lots of luck in your new job 

    LMD x
    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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
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