We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Third time's the charm...

Options
1179180182184185217

Comments

  • 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. 
    Yes that's true. 
    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-up


  • 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. 
    Agreed! Although I have opted for a very dark indigo this time around which is unusual for me but I fancied a change :)
    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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • You have reminded me that we have some more stuff to sell on Ebay. Must get round to listing it.
    You definitely should! I was going to just send this stuff to charity but thought I'd list it first in case there were any takers
    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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • Sun_Addict
    Sun_Addict Posts: 23,990 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I tend to send my stuff to charity and have a Gift Aid number for a local charity shop. They sent me an email to thank me for the £118 they’d made from my donations. £118 😱
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Keedie
    Keedie Posts: 2,845 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    You're just hurtling towards thats £3k mark 😳 👏🏾. So glad that you sent the payment to right place, but I can well imagine the anxiety of not knowing even though you'd probably double or triple checked it before you sent it. Well that's how my brain works anyways lol. 

    That's really cool and impressive with your gift aid @Sun_Addict 👍🏾.

    Debt Free Diary:- The Mental Debt Struggle
    (Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
    2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
  • Good morning everyone. It’s my Friday today as I’m off tomorrow for that lovely relaxing spa day 🙌 I can’t wait!

    @Keedie I can’t tell you how many times I checked it and was so nervous transferring such an amount…. Once I thought about it later (I’m definitely a reflector) I realised I should have sent an initial £1 to test it and then sent the rest once confirmed. A lesson there I think!

    So today’s PAD was £5 to CC7. Another NSD for me ahead of a spendy few days planned. We are out on Saturday but then I should have a few more NSD’s before we go out for dinner on Valentines Day. We don’t usually celebrate but a local independent pub is doing a nice set menu with some entertainment, plus hubby is actually off work this year so we thought we would make the most of it.

    Nothing available to cash out on Prolific when I checked this morning, I have £30+ pending now so it’ll be nice when they finally get approved!

    Have a great day all
    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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • Forgot to add… 4 items now sold on Vinted. £25 made so far so I’m pleased I took the time to list the stuff. 
    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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • AntoMac
    AntoMac Posts: 2,666 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Your debt is actually flying down LMD.
    On the subject of Vinted one of my favourite work colleagues walked round to show us her new Vinted purchase. A very new looking gilet that she bought for £3.75. She wasn’t sure whether it was a body warmer or a gilet but we agreed that gilet sounded posher! So for the happy sellers there are equally happy buyers out there  :)
    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
  • AntoMac said:
    Your debt is actually flying down LMD.
    On the subject of Vinted one of my favourite work colleagues walked round to show us her new Vinted purchase. A very new looking gilet that she bought for £3.75. She wasn’t sure whether it was a body warmer or a gilet but we agreed that gilet sounded posher! So for the happy sellers there are equally happy buyers out there  :)
    I do hope I have happy buyers @Antomac I would hate to think someone felt I had mis-sold anything :D  The gilet sounds like a bargain to me!  I try not to browse for things at the moment whilst I am paying down the debt and only buying what I need... but I will definitely be browsing after 26th May!
    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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • Happy Friday everyone! I’m up early today as it’s Spa day and we are off to Nottingham.  I’m quite excited as we were supposed to be doing this before Covid hit so it’s long overdue :)

    Today won’t be a NSD, so I have sent £3 to the credit card. I can colour another square on my CC chart this morning and I’ve worked out I’m now using just 4.6% of my available credit.  It’s remarkable to think how much I’ve paid off!

    Prolific is still taking its time to approve anything. Yesterday was a very slow day for me, I managed a 1 min survey for pence and then I managed to get on a £5 for 5 mins study but it wouldn’t load and I had to cancel as the researcher didn’t respond to my message. Oh well. Still £30 pending there.

    Another £10 sale on Vinted too which I will post on my way out this morning.  I still have more stuff to list which I will probably do on Sunday as I have a busy few days ahead.

    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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.