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Third time's the charm...

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  • I had a day like that yesterday, back to back calls from 10 until 2. Tomorrow will be similar. I try to block out at least 30 minutes at lunchtimes but sometimes it can't be helped. 

    You're still doing amazingly well with the PADs and what fantastic news about bringing forward your debt free date.
    I’m usually good at taking a break but everyone wants my time this week. :(

    You are doing so well with NSDs and PADs. I need to get more organised on mine, I seem to have slipped a bit, somewhere along the way. 
    Thanks, it’s easy to slip at this time of year with presents to buy etc. my strategy is to buy what I know I need if I have to spend, so as yesterday was a spending day I ordered a couple of Christmas presents I knew I wanted to get. 

    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Morning everyone! I am officially on leave today until next Tuesday :) Which is the reason for the later than usual post.  I will be setting off shortly to pick up my sister for a weekend of retail therapy and uninterrupted girls talk :) 

    I cashed out £3 from C-Cat this morning, I don't seem to be getting many lately where I don't get screened out which is frustrating but I am certainly not giving up. It's provided more than £40 towards my card debt in 1 month and that is definitely worth it in my book. 

    Today isn't a NSD as there is fuel to buy and the hotel to pay for, we will also be eating out. Unlikely to have another now until next week.  My PAD was £6 to CC7 this morning, including the £3 from C-cats... I have over £16 in Prolific but only £2 is available, so I will keep my eye on that over the weekend. 

    Now for the bad news... It looks like my laptop is coming to the end of a very long and loyal life. Things are slow, crashing and even though I have done a re-install and upgraded to the latest iOS it seems I will need to start a 'new laptop' savings pot.  I have had this one for 10+ years now so actually that's a long life for tech. It no longer holds any trade in value, even though in pristine condition :(   Fingers crossed that it can hold out until I've completed my debt-free journey! 

    That's about it from me peeps.  Enjoy your Thursdays, I certainly intend to! :):)
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Sun_Addict
    Sun_Addict Posts: 24,081 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your weekend sounds fabulous enjoy 😃 Boo to the laptop though.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Its all of those surveys you are doing. You have worn it out  :D  
  • Its all of those surveys you are doing. You have worn it out  :D  
    That's what my DH says about mine, I have it on so much now....lol
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  August £7.48

    Decluttering items 771

    Books read    14
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • AntoMac
    AntoMac Posts: 2,704 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    That’s a good hit of the CC balance LMD,
    With it being planned/covered you’ll be able to enjoy your shopping so much more. 
    27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 5
  • Well, I have been more than a little disappointed with the Black Friday sales offers and have so far hardly spent anywhere near what I had budgeted for. Anyway, at least I don't have to worry about spending for the rest of the weekend. 

    I have managed to cash £10 out of Prolific and I have sent that over to CC7 just now :) 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Sun_Addict
    Sun_Addict Posts: 24,081 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I didn’t notice anything great in the Black Friday sales. It’s not as good as it used to be pre Covid. That CC will soon be below £5k at this rate 👏
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Mliz
    Mliz Posts: 83 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    I’m the same with Black Friday - nothing grabbed me at all but I did buy a new budget planner for 2023 - not very exciting 😊
    You need to be content with small steps. That’s all life is. Small steps that you take every day so when you look back down the road it all adds up and you know you covered some distance.
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