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Time to start a fresh.

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Comments

  • badmemory
    badmemory Posts: 10,372 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    You've made me realise just how lucky I am.  One of my neighbours regularly puts away my bin after they have been.  It isn't the same neighbour every time either.
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    badmemory said:
    You've made me realise just how lucky I am.  One of my neighbours regularly puts away my bin after they have been.  It isn't the same neighbour every time either.
    Sounds like you have much better neighbours than me! I have neighbours to my right who doesn't even acknowledge me ever, the ones to my left her daughter who's in her 30s constantly moans about me when she's drunk but doesn't know I hear her most of the time. The ones who complained about us washing the cars once reversed into my OH van and didn't say anything, luckily we seen it on the cameras
     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
    Hi Jade,

    Busy little bee aren’t you.

    I have perfected the art of living out of the freezer now! Variety is the spice of life apparently so I try to have a different themed dinner each night. Now I am not a great cook (my oven goes on at 200’c and i guess the time that’s it I don’t change the dials Lol), nor do I particularly enjoy cooking but I do like to mix things up a bit. My slow cooker is definitely the best £15 a have spent on an appliance!

    I feel rather lucky not currently having any neighbours.

    on a side note, I appear to have developed an obsession with checking my credit reports 😳
    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

  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Hey @MrFrugalFever

    Haha, busy as always!

    Oh that's good, funnily enough we've started using most of the stuff in the freezer. We've used up most of our spices now also. Haha, that made me laugh :smile:

    I enjoy baking, I do enjoy cooking aswell. Myself and OH take it in turns to cook each night. My OH dad gave me a multi cooker last year and it's the best thing I've ever gotten.

    I do enjoy checking my credit report :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
  • FootyFanDan
    FootyFanDan Posts: 1,894 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Omg its pretty crappy when you have rubbish neighbours, luckily most of ours are fine but we do have one the is crazy! She is always round when she is drunk moaning about something. She was complaining our cat was in her garden….told her simple solution was for her to stop feeding it!! 🤣 Honestly some people. 

    We tend to be going through our freezer stuff now too, I like having fresh at times but freezer food is just so convenient at times lol.

    Well done on yet another Zoom  
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Omg its pretty crappy when you have rubbish neighbours, luckily most of ours are fine but we do have one the is crazy! She is always round when she is drunk moaning about something. She was complaining our cat was in her garden….told her simple solution was for her to stop feeding it!! 🤣 Honestly some people. 

    We tend to be going through our freezer stuff now too, I like having fresh at times but freezer food is just so convenient at times lol.

    Well done on yet another Zoom  
    Haha some people are very odd :lol:
     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
    Afternoon/evening all

    I went to sainsburys on the way home to buy some items to post ebay sold goodies. Thinking of adding more to ebay later this evening, not really done much besides work. I applied for another online community so hopefully I get that :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
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh, I also plan on seeing what freebies I can get from different websites later :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
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Sold 4 more things on ebay earning over £20.
    Washed pans and pots as we don't put them in the dishwasher.
    Loaded washing machine 
     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, as everything currently stands;
     
    ALL CC's and Loans are on Payment Plans and all up to date.

    By the end of September I'm wanting Fluid and Barclaycard paid in full and closed. I've had no temptation/intention of attempting to take another loan or CC out, even though I get constant email offers. I haven't used any buy now pay later services (Klarna, Clearpay or Laybuy) I've earnt a pretty decent amount of money from surveys and zooms etc this year. I've got an emergency fund set up in another new bank account so any savings now go into there. I need to get my car fixed over the next few months which I'm not sure how much it will cost yet. Also got my 14 hours extra over time.

    BUT, I do feel pretty much in control and happier with how my finances are.

    Thanks to all who read, comment and support me along my journey
     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
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