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Third time's the charm...
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£28 isn't to be sniffed at at all.
Pay day is Friday for me. Will find out what difference the NI change and my pay rise will make on Thursday
My Experian is at 999 as well now. It's come a long way in a little over a year!2 -
We could definitely do with some rain down here.Please can I ask @LittleMissDetermined and @RelievedSheff , where do you get your Experian reports from? I used to get it as part of my Bank account package but that part stopped a couple of months ago.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 50
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I just signed up on the Experian app. The free version… it gives me my score but little else so I use ClearScore and Credit Karma tooLife 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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@AntoMac there's also the MSE Credit Club, that's where I look at my full Experian credit report for free and get the monthly updates and I can see all of the changes and credit searches etc, affordability score etc, https://www.moneysavingexpert.com/creditclub/. It's great and they email you when your report is in.
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 22/501 -
I use Clearscore, Credit Karma and the MSE Credit Club. All free ones.AntoMac said:We could definitely do with some rain down here.Please can I ask @LittleMissDetermined and @RelievedSheff , where do you get your Experian reports from? I used to get it as part of my Bank account package but that part stopped a couple of months ago.
It is the Credit Club that shows the Experian Score and Report.0 -
Hi everyone
Busy day in the life of LMD today, it's pay day so I was sorting out my new budget planner this morning before work and then I have been on work calls since 8am. Just stopped to get a drink and pop some washing in so I am dropping in with an update.
PAD was hefty this morning to various places and today (despite being pay day) will be another NSD. I have been able to colour in more squares on my tracker too which always makes me happy
Weather is set to be nice here today so I will be getting the washing on the line whilst I have a lunch break and before back to back meetings this afternoon. Looking forward to the weekend already!
Have good afternoons all
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 -
Just cashed £11 out of Prolific so that will be sent to CC7 today 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 £25711 -
Morning peeps... we are almost back at Friday! This weeks has gone by in a whirlwind
Glad I managed to get laundry done yesterday as it's looking grim out there today. Busy day ahead with work again and then cleaning and chores tonight (may even be cool enough for me to tackle my ironing!) before the weekend. Won't be a NSD today as there are a few things I need to order for my pending holiday. I will try to bunch up spends though so hopefully I can get another couple in before the end of the month. I'm hoping to use my Boots points for SPF and toiletries.
PAD this morning was a regular DD for insurance and £1 sent to CC7, nothing to cash out on Prolific at the moment but I will be checking again later on.
That's it for now I think. Catch you all later, hope you have great Thursdays!
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 -
Is this your Lanzarote holiday? I’m off to Zante 3 weeks on Monday, getting close now 😎I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Yes it is! I think it's 3 weeks on Saturday we go, my sister has already packed her suitcaseSun_Addict said:Is this your Lanzarote holiday? I’m off to Zante 3 weeks on Monday, getting close now 😎 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
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