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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Time to start a fresh.

14445474950106

Comments

  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    So checked my bank this morning and noticed that my gym membership has still gone out even though I've cancelled it so I'll be phoning my bank and I also noticed another random payment to a company I've never signed up to, it's for £30 so I have emailed the company ASAP! 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Nearly all bills have gone out today just need to pay my rent etc which comes out on the 14th! Now I have roughly £200 until payday, but I'm doing the NSC for this month
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    I've made £24 on prolific in two days and cashed out and today I've made £15 :smiley:
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • MrFrugalFever
    MrFrugalFever Posts: 1,301 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Nearly all bills have gone out today just need to pay my rent etc which comes out on the 14th! Now I have roughly £200 until payday, but I'm doing the NSC for this month
    With a little bit of self control and bags of determination, it is entirely possible to live off £50 per week. 
    I have conditioned myself to live off £150 a month for the last 6 months, I didn’t need too but it has helped me train myself to know that if/when that time comes, I can do it. 

    It’s hard, very hard, but definitely doable! The NSC is a great way to train yourself. I did from 15th to 29th last month as No Spend, with the absolute exception to bread and ham for my lunches.
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £55,050)
    Creation FS Retail Account x 1
    Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £137,707.00 (Payment 13/360)
    Total Debt = £7,400 (0%APR) @ £100pm - Stoozing

  • Parkyp
    Parkyp Posts: 883 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Well done that’s a good bonus.
    if that what you have left between you and your oh or do you have separate Finances 
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Parkyp said:
    Well done that’s a good bonus.
    if that what you have left between you and your oh or do you have separate Finances 
    Separate finances :smile:
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • Parkyp
    Parkyp Posts: 883 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Like @MrFrugalFever says it is doable to budget £50 a week. You are very good at being organised with your meal preps and lunches aswell as your home baking 😋 so fingers crossed for you.
    I usually find it the unexpected that scupper your plans like a friend out the blue wanting to go for coffee or lunch etc.
    weather here as been really warm although cloudy past couple of days, the weather forecast says rain this evening. I put three loads Of washing on the line sat outside drinking my tea and all of a sudden downpour  rushing to get washing in.  It lasted for 5 mins 😤. now I have all this washing to be dried I might just stick the clothes horse outside that way if rains agains it’s easier to just lift in.  I know hardly end of the world problems just annoys me 🤣🤣🤣
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Parkyp said:
    Like @MrFrugalFever says it is doable to budget £50 a week. You are very good at being organised with your meal preps and lunches aswell as your home baking 😋 so fingers crossed for you.
    I usually find it the unexpected that scupper your plans like a friend out the blue wanting to go for coffee or lunch etc.
    weather here as been really warm although cloudy past couple of days, the weather forecast says rain this evening. I put three loads Of washing on the line sat outside drinking my tea and all of a sudden downpour  rushing to get washing in.  It lasted for 5 mins 😤. now I have all this washing to be dried I might just stick the clothes horse outside that way if rains agains it’s easier to just lift in.  I know hardly end of the world problems just annoys me 🤣🤣🤣
    Haha! That's so annoying when that happens! It's been raining here since last night unfortunately. That's a good idea aha! 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    So, I've done housework today and this evening I'm spent making some bath bomb :lol: my OH bought a kit for me for Christmas just gone and I've only now sat down and made some. I'll make some for my sister for Christmas this year! On another note I've been thinking of getting into resin such as making keyrings, bracelets etc. Only as a hobby to keep me entertained after work. 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Today all I’m doing is changing the bedsheets and putting the hoover around. I need to make the work lunches for the week and need to pick up some small bits for the roast dinner this evening, I’m going to budget for £10 for my top up shop later on. 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
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
  • 353.6K Banking & Borrowing
  • 254.2K Reduce Debt & Boost Income
  • 455.1K Spending & Discounts
  • 246.7K Work, Benefits & Business
  • 603.1K Mortgages, Homes & Bills
  • 178.1K Life & Family
  • 260.7K 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.