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Third time's the charm...
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Nice one
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Early morning again for me today, hubby is working nights so as I got up he went to bed. I have lots to do around the house today so that will keep me busy.I’ve already made my PAD today, the overall debt is coming down nicely.I’ve not had a NSD for a couple of days, but I have managed to tick more off my Christmas list so that’s quite positive. Only a handful left to buy now, I’m feeling very organised this year.
Better go and bundle up for walking the dog, it’s blustery out there today!Hope everyone’s doing well x
LMDLife 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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
Paid my CC4 regular payment today and crept into the £13k... not by much, but seeing that 4 change to a 3 was a nice feeling to set me up for the day
Still daily PADs for the rest of the month so that should still make a good impact too!
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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25713 -
Happy Friday everyone, this week has whizzed by but I am glad it's the weekend
A few things to report money-wise...
* My credit scores are still blossoming in all the different scoring agencies
* My Christmas shopping is almost complete (and under budget)
* I'm still chipping away at that CC4 and total is coming down nicely from the £14k mark all still on 0%
* CC3 have written to say my credit limit is increasing by £2.5k so I must definitely be doing something right
* I have reviewed all of my pensions and am surprised at how well they have performed during the global pandemic (all addresses now updated) just not sure about having them so spread out, may need to take advice on transferring them.
* I have joined the 2022 sealed pot challenge so tomorrow's job will be collating all the loose change we have scattered around the house and keep it hostage until the end of October 2022
I have finally had my new glasses delivered, and the prescription is quite different so I have had a couple of bad headaches this week which I am putting down to my eyes adjusting. It's annoying as I rarely get headaches, not even from drinking... just the occasional migraine which impacts my vision.
Hubby has purchased some extra Christmas decorations for us this year, as we have more house to decorate. I'm just wondering if I can talk him into some outside lights... I love Christmas, it's just the best time of the year.
This feels like a really positive post... wondering where I will trip up lol
LMD xxLife 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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712 -
Not sure how it's got round to being Friday again, the weeks are scooting by and it will be Christmas before we know it... I am prepared though and have been writing my christmas cards and letters already so they can be posted on Dec 1st.
I've been doing well in the sealed pot challenge, with over £100 in there now. I doubt I will be able to gather £100 every month but it's certainly stopping me from frittering money away.
PADding is also coming along well and quite a way under the £14k now. Definitely a far distance from that £41k
I can't even think how I let that happen, but I hope I'm never in that situation again.
Not much planned for the weekend so will be low-spend. I'm away with the girls next weekend though which usually turns out to be quite spendy indeed... I do budget for this though as it's an annual event and once a year can't hurt. Plus it's pay day next Friday
I hope everyone is safe and well, there are a lot of bugs going about, 'super'cold, tummy bugs as well as the dredded 'rona... maybe I'll get the facemasks out again, don't want any germs to ruin next weekend.
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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712 -
You are doing great with the card repayments. 2
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Thanks! Even though it’s just a little bit at a time it’s really making a difference overall.RelievedSheff said:You are doing great with the card repayments.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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712 -
Eeeeeeeek! My signature has reverted back to one from last month!! Now I need to go and work out all my balances again
No idea why, anyone else had this problem?
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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
Soooo it looks like the signature issue did me a favour, I was out by £100 and over reporting in my overall outstanding debt - whoop! 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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711
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That’s good news 🤗 Glad it was over reporting, not the other way & more debt!0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p11
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