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Third time's the charm...
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I've just managed to get a £6 cash out from Prolific.so that's been sent over to the credit card.
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21262 -
Good morning guys, it's Wednesday (happy hump day) and the sun has made an appearance again, no frost which is a good thing!
Today's PAD is £5 to CC7 as it's a NSD. I have decided to re-allocate what I had been paying to EE (£69) to daily PADs as I won't miss the money, upping my PADs to £3 a day and trying to pay more when I have a NSD. There may be times where this isn't possible, however I will definitely make a conscious effort.
No cash out available this morning, but I will keep checking. I have £20 pending and a possible £5 bonus due too. I was very MSE last night and gel polished my own nails again, saving £20. It's not something I would have done professionally often but it does stop me from biting my nails so I will continue to do this at home every 10 days or so. Definitely need a bit more practice with my right hand!
That final payment is now £368, 75% of the original £500. So we will now aim to get it to 50% which I think is realistic
Hope you all have a good day
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21263 -
Forgot to mention, after sorting items out last night I added some things for sale on Vinted. Hopefully they will gain some interest, I have added bundle discounts too for this batch as an incentive
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21262 -
I love doing my own gel nails, have been doing them myself for 15+ years now, it's one of my favourite ways to wind down. I always wonder how much money I've saved!
I'm sure you probably do this already, but a little trick I find that helps is by starting with the little finger first, I used to always start with my forefinger then inevitably smudge it when I got to the little finger. When I do my right hand I always rest my wrist on the surface as it gives it a little more stability when painting the nail.xNovember 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 Diary3 -
MissPennySave said:I'm sure you probably do this already, but a little trick I find that helps is by starting with the little finger first, I used to always start with my forefinger then inevitably smudge it when I got to the little finger. When I do my right hand I always rest my wrist on the surface as it gives it a little more stability when painting the nail.x
I clearly need to practice more, or rope OH into doing it for me
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
I wish I knew about the little finger trick years ago! Would have saved me a lot of re-dos! But yeah, practise is key, nowadays my right hand can look better than my left!xNovember 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 Diary2 -
MissPennySave said:I wish I knew about the little finger trick years ago! Would have saved me a lot of re-dos! But yeah, practise is key, nowadays my right hand can look better than my left!x
In other news, I've just made a £10 vinted sale... whoop! I'll get that posted later this evening.Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21263 -
You have reminded me that we have some more stuff to sell on Ebay. Must get round to listing it.2
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I'm rubbish at painting my nails. But I'm not really a nail painting kind of gal....lol. Only do them for special occasions...weddings or posh holidays.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 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 753
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Practice makes perfect. I find it easier doing lighter colours and less is more when it comes to amount on the brush. Better to do 3 coats of thin layers then 2 thick ones.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3
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