We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
Time to start a fresh.
Options
Comments
-
Evening all!
I did my zoom call, it went really well the people were friendly. So £40 should be into my bank within 2 weeks.
I plan on rebudgetting also, as my payment plans with some CCs aren't affordable and I want to focus on paying fluid off in full and then doing minimal payments on the rest.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;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Nice easy £40 made, well done 👏👏1
-
Parkyp said:Nice easy £40 made, well done 👏👏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;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Right, I rejoined the gym as they had a zero joining fee that ends tonight whereas usually its £10. Its £17.99 a month and 24/7 gym so I plan to get my bum out of bed in the mornings before work so I can have a nice shower etc. I also plan to start making myself a breakfast after the gym now. I plan to make it a task for myself to go to the gym every day before work starting from Wednesday Morning.
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;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=12 -
Ooh that is a commitment with the dark mornings 🤣🤣. So what time do you have to get up at Go to gym, what time do you start work at2
-
I think it’s all about changing our bad habits/ruts that we get in to. Im always up early even at weekends, get up at 6 at weekend and can have toast n scrambled egg at 7 but the same time on work days I can’t face it, so it’s obviously just in my head 🤣🤣.2
-
Parkyp said:I think it’s all about changing our bad habits/ruts that we get in to. Im always up early even at weekends, get up at 6 at weekend and can have toast n scrambled egg at 7 but the same time on work days I can’t face it, so it’s obviously just in my head 🤣🤣.
I start at 8.30, work is 40 minutes from home and 10 minutes from the gym. So probably leave at half 6 maybe.. 😂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;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Going to the gym before work is such a good idea though, it sets you up for the day and at least you can use the shower facilities before work as well.
Pre-pregnancy I used to go twice a week in the morning (used to get up at 5:30am to get the 6:10 bus to start two classes for 7am!). As I used to go on the same day every week morning, my body got used to (after 1/2 months) waking up at 5:30am to get ready.
They say it takes 30 days to create a good habit and routine. The first two weeks will probably be the most tiring, however, your body adapts and gets use to it!1 -
gymgirl11 said:Going to the gym before work is such a good idea though, it sets you up for the day and at least you can use the shower facilities before work as well.
Pre-pregnancy I used to go twice a week in the morning (used to get up at 5:30am to get the 6:10 bus to start two classes for 7am!). As I used to go on the same day every week morning, my body got used to (after 1/2 months) waking up at 5:30am to get ready.
They say it takes 30 days to create a good habit and routine. The first two weeks will probably be the most tiring, however, your body adapts and gets use to it!I'm hoping to go 5 days a week, might start with 3 days first. I would have to get up for 6am, leave at half 6 to get to the gym for just after 7am.
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;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Afternoon all,
I phoned Vanquis and told them £50pm is no longer affordable for me and he was so lovely about it on the phone. I've offered £20PM instead. I plan to pay more towards Fluid to get it cleared.
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;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards