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Comments

  • Ahh not good, the steering rack IS expensive 😔 hopefully it will get through next mot and bide you enough time to think about a suitable replacement. Isn’t it awful that you’re making such great progress to then be back in to owing money again just because of a car! Can’t live with ‘em, can’t live without ‘em! 😂
    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: 3,190 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Ahh not good, the steering rack IS expensive 😔 hopefully it will get through next mot and bide you enough time to think about a suitable replacement. Isn’t it awful that you’re making such great progress to then be back in to owing money again just because of a car! Can’t live with ‘em, can’t live without ‘em! 😂
    Yeah I've seen :lol:

    I don't plan on changing car cos its a nice car it's just previous owner was a bit lazy eith maintenance! :disappointed:

    Haha yes agreed!! 
     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: 3,190 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Also, the fish tank has leaked again so our floor is completely ruined. So we're getting new wood flooring and a new tank over the weekend :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
  • Parkyp
    Parkyp Posts: 883 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Oh that’s annoying, can your other half fit the flooring himself. Infact that’s very sexist of me you might be handy  🤷🏻‍♀️. Not me a paint brush is my limit but then again I don’t want to know how to do diy 🤣
  • BlueJ94
    BlueJ94 Posts: 3,190 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Parkyp said:
    Oh that’s annoying, can your other half fit the flooring himself. Infact that’s very sexist of me you might be handy  🤷🏻‍♀️. Not me a paint brush is my limit but then again I don’t want to know how to do diy 🤣
    Hahah this made me chuckle!! 😂 Yes he's fitting it himself, I've had to book the tip so we get to rip the flooring up Saturday and that's all I'm helping with as I'll be in the way :lol:

    My OH is a plumber so does a bit of everything which is useful! 
     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: 3,190 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all!

    Sainsburys are paying me my owed £57 tomorrow so that's a bonus and it's also payday from my main job! Not much going on today, work is super quiet! We're literally sat down drinking coffee, 😂
     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: 3,190 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Evening all, 

    Not much happening but just feeling really positive towards the debt now. I have constant over time availability there it I want it. Ive been asked to let my line manager know if I want anything for the next 3 weeks. So that's a positive but I also don't want to burn myself out either.

    OH starter to pull up the rubbish flooring we've got so the house looks like it's exploded :lol: hopefully we will have nice new wooden flooring by Sunday evening!

    Plan on action for next month is pay fluid and order car parts and get it into the garage. I'm just thinking into the future about how the extra income and savings from having no debt can go towards buying a house with OH. I can't wait, it's a real motivation boost! 
     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
  • gymgirl11
    gymgirl11 Posts: 174 Forumite
    Third Anniversary 100 Posts Name Dropper
    Hi Jade, all seems like positive steps!

    In terms of your Sainsburys job, is it a fixed term contract with an end date? Or is it a permanent contract with the opportunity to pick up overtime as and when? :)
  • BlueJ94
    BlueJ94 Posts: 3,190 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    gymgirl11 said:
    Hi Jade, all seems like positive steps!

    In terms of your Sainsburys job, is it a fixed term contract with an end date? Or is it a permanent contract with the opportunity to pick up overtime as and when? :)
    Thanks!

    It's actually a temp position at the moment but everyone so far I've spoken to said they started temp and they ended up getting a contract. So I'm hoping for a contract from January. But they're so short staffed that they're always offering over time
     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: 3,190 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all, 
    Sorry not posted much. If I'm not at Sainsburys working I'm at my other job and if I'm not doing that I'm sleeping :lol:

    OH started laying the new flooring Friday, it's nearly finished but we had to pop out yesterday to buy more. They have a deal on at the minute of buy 4 for the price of 3 :smiley:

    I'm working in Sainsburys all week again as they're so short staffed. I worked 28.8 hours last week with them, the cut off for payday is next Saturday so might do some extra shifts next week but not the whole week again!

    Some little poo head has stolen a part off my car, its only £10 to replace but still annoying :lol:

    I plan on going home after work and doing some cleaning, it's OH turn to make dinner tonight so I can watch some TV before falling asleep around 9PM :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
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