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Third time's the charm...

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  • Ooh that's nice isn't it when you get an unexpected surprise like that?  Enjoy the football. I predict 1-0 to England
    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


  • Good morning everyone! The football turned out to be a great result and I was impressed with the goals, I am not too sure how we will fare against France but I am keeping my fingers and toes crossed. 

    An eBay partial refund hit the bank this morning so I sent £3 to CC7 instead of the basic £1. I need to be mindful of the trip to Scotland next weekend as we are staying an extra night than we usually do and it's never cheap to stay in the city at this time of year. 

    Today will be a NSD for me, I have nothing planned and hubby is working nights so a quiet few days and nights ahead.  I have £17 pending on Prolific and will be keeping an eye out for more studies today, it's been busy on there recently so I am hoping it continues. 

    Have a great Monday everyone 
    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
  • Managed to do a few C-cats surveys this morning and cashed out £2 which I have sent to CC7
    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, I am very tired today and I am feeling grateful for a short week. I have no idea what was disturbing my sleep but it's that time of year where bereavement anniversaries occupy my mind. 

    Today will be another NSD, I am off to aqua zumba later but the cost of the class is included in my gym membership fee.  My PAD today was £3, £1 to CC7 and £2 to the sealed pot, not much and will probably be low for the rest of the month except for when I have pay-outs.  Speaking of which, I now have £24+ pending in Prolific, I will be pleased when that gets approved :) 

    I think today is CC7 statement generation day so at least my payment from Y-live will cover the minimum payment along with my £1 daily PADs.  I am still hoping to hit the new year with less than £5000 remaining on the card. Should be achievable with the last pay day of 2022

    Have a great day everyone
    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
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    That would be a great start to the new year for you :) 
  • That would be a great start to the new year for you :) 
    Definitely! 
    Making a good start on it now with some survey payouts, so £11 sent to CC7.

    I’ve also had an email from our old pet insurance company saying that there was an underpayment from a claim we made years ago. They’re refunding £12.40 over the next few weeks so I will send that to the credit card too as I wasn’t expecting it.

    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
  • And another £3 from c-cat sent to CC7 this afternoon 
    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
  • You really are on a roll LMD.  Your debt is going down so quickly

    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


  • You really are on a roll LMD.  Your debt is going down so quickly

    Thanks! I have to keep checking on my credit card app to make sure I’ve not got my figures muddled up :D
    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
  • You're doing so good with the surveys its made me log back in to pro lific and sign up for CC. So thanks! 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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