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Third time's the charm...

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  • AntoMac said:
    If you can do the full 52 weeks LMD that will be some achievement. Even if you don’t manage to do them all that’s still a flying start with £35.

    Keedie is doing something similar and I am considering starting a challenge to see if anyone else would like to join, it would definitely keep me motivated!

    Today's PAD is £313.13 to various places, the symmetry of that figure pleases my OCD but is completely accidental :D  Today won't be a NSD as I am planning to get my nails done after work. That's the only thing I have planned to spend on this week though, I'll get a few more gym sessions in before we go away and maybe a swim.  I need to make a list and get packing lol. 

    Nothing happening on the surveys, I noticed Qmee was down yesterday too, not checked it yet this morning.  Hoping it'll all start picking up again now we are into the new year. 

    Hope you all have a good day
    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
  • That's a great PAD, and loving the symmetry too.  Qmee is back up this morning.  Enjoy getting your nails done later!x
    November 2022 - £46,626.96 / May 2025 - £5,970.00
    Debt paid off so far - £40,656.96 (87.19%)

    Current Challenges:
    #10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off) 

    Completed Challenges:
    #15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
    #41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!

    MissPennySave's Debt Free Diary - DFW Diary
  • shell16
    shell16 Posts: 1,354 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Have a great Holiday LMD!
    Shell x
                                                                                             

     Debt Free - 04/03/23.  Total LBM August 2021 £15410.70

  • I bit the bullet and created the envelope saving challenge. For anyone wanting to join in the link is here :)
    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
  • Makingabobor2
    Makingabobor2 Posts: 4,215 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Love how you've labelled your envelopes with colours. That's as bad as me with my coloured pens for my planner.... :D
    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
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

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


  • Love how you've labelled your envelopes with colours. That's as bad as me with my coloured pens for my planner.... :D
    We all need a bit of colour in our lives!

    Just managed an £8 cash out from Prolific so that's now off 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
  • Good morning peeps, I'm officially on count down to holiday now, can't blummin' wait! Especially as I am sat here watcing the trees in the woods being buffeted by such strong winds this morning. Doesn't bode well for the cardboard recycling bins going out later. 

    Nails look much better but I have gone for a different shape which may take some getting used to, not yet tried to put my contact lenses in :D 

    PAD today was £1 to CC7, will be the same (unless I can get some surveys done) for the rest of the month due to needing spending money for the holiday. Today will be a NSD as I am only heading to the gym after work. 

    Busy week this week. My role is changing slightly to have a wider scope and I have moved to a different team so it's all change there. Although I still work from home so some things remain unchanged!  Lots of project and research work this week to understand the additional scope so I won't have much time for surveys even if they do pop up, we will see.

    Hope you all have a great day!
    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
  • Good luck with the new job role.x
    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
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

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


  • Good luck researching the new role! Then a nice relaxing holiday to look forward too!  I'm not jealous at all, I promise!!  :D x
    November 2022 - £46,626.96 / May 2025 - £5,970.00
    Debt paid off so far - £40,656.96 (87.19%)

    Current Challenges:
    #10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off) 

    Completed Challenges:
    #15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
    #41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!

    MissPennySave's Debt Free Diary - DFW Diary
  • Good luck with the new job role and hope you enjoy your holiday. Rather jealous right now haha 
    *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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