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.

14748505253106

Comments

  • Parkyp
    Parkyp Posts: 883 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Hi Jade, is that your dog next to your name. 
    It depends how much money you are getting, but if it was me I would have a wee treat (like your tattoo ) pay some to my debt and put some away so I have savings so if an emergency does happen you have the funds for it. 
    Oh and I would deffo get the car sorted. 
  • BlueJ94
    BlueJ94 Posts: 3,180 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 14 July 2021 at 4:48PM
    Parkyp said:
    Hi Jade, is that your dog next to your name. 
    It depends how much money you are getting, but if it was me I would have a wee treat (like your tattoo ) pay some to my debt and put some away so I have savings so if an emergency does happen you have the funds for it. 
    Oh and I would deffo get the car sorted. 
    Yes it is! His name is Django and he's 4 :smiley:

    Thank you for the advice! Car is booked in for beginning of August now. My OH said he's happy to pay towards it if my money doesn't come through in time and I can pay him back. :smile:

    Oh update its between 1k and 3k but won't know until the day we get the money. 
     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
    Awe he’s lovely. 
    That’s good you’ve got car booked it. That’s a nice sum of money to get. I know you’d like your debt cleared but as you say your not getting charged interest so no rush to get it paid ASAP. It’s a nice feeling to have money in the bank. 
  • BlueJ94
    BlueJ94 Posts: 3,180 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Parkyp said:
    Awe he’s lovely. 
    That’s good you’ve got car booked it. That’s a nice sum of money to get. I know you’d like your debt cleared but as you say your not getting charged interest so no rush to get it paid ASAP. It’s a nice feeling to have money in the bank. 
    Thank you! :smile:

    Yes very true, as much as I want it gone I also want to treat myself and getting a tattoo is basically a gift off my grandad. So I'll have something to remember him by. I'll wait to see how much I get, save some spend some and pay some debts. 
     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: 3,180 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all,

    So far since joining prolific I've managed to earn £50 and I have £24 waiting to be approved. Once I get the money I'll be cashing out and putting it towards some debts. Other than that I don't have a lot going on besides 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
  • Sarahwithlove
    Sarahwithlove Posts: 3,470 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Once you have the money i would get the tattoo so you have something to remember him by. Then I would contact each of your debt companies and ask for a final settlement amount and see if any will give you a reduction to have them cleared and pay them off that way. 
    *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/
  • BlueJ94
    BlueJ94 Posts: 3,180 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all.

    Sorry not posted in a while haven't felt up to it. The house sale is being delayed again! So no idea when the money is coming through now. Cars in the garge from August for a day or two and that's all thats really happened.
     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: 3,180 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all to those who lurk and read along!

    I havent been well the last few days, it's only a cold but then I had my second Pfizer jab and it drained me for a few days. I'm still waiting for £50 from my christmas zoom two weeks ago! I am booked in for another Zoom chat about debt and mental health! I will get £60 for this. I also have a week booked off for the end of August.
     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: 3,180 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    My cold is slowly going away, but im still feeling so tired! :disappointed:

    But I'm going to kick myself up the bum today and force myself to do some things after work.

    I will:

    Pop into Lidl for the £1.50 veg box
    Bake some bread
    Check cupboards/freezers for anything I can batch cook. 
     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
    Morning, nothing worse than having to work when not feeling that great. 

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.