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Learning to walk before I run
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Will probably take that approach when Cat 1 turns 10 and we're liable for 20% of treatment costs 👍🏻
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Over here we are no longer insured at all. The cat is an indoors girl and 16 now - already sugffering kidney issues so we have swapped to renal diets (more expensive) but she has stabilised.
Dog's insurance company withdrew cover. We only ever had 3rd party liability and accident cover and the product no longer exists. With any provider. He has a breed condition that means premiums would be awful. We keep him as fit and strong as possible, to protect as much as possible. He is on a vet plan for vaccinations, flea and tick, worms and toenails, plus clearing his glands, if needed (not the supplement for that though). Oh and we try to keep him lean but he is an opportunistic scoffer!
Save £12k in 2026 #2 I have banked £9004.48 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £1111.79 and most of my May purchasing made
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here7 -
April and May are shaping up to be some of the busiest, spendiest, most disruptive months we have experienced for years 😬
- DD1's Easter craft camp was cancelled
- Both girls are still on holiday, I swear the Easter break is about a month long this year!
- DD2 had a very nasty accident and badly scraped her face. She is healing well but there has been a degree of bribery spend to try and cheer her up/distract her. It has been quite traumatic 😥
- Both girls have birthdays in May
- Bathroom getting replaced in May, staying at a purple hotel for 4 nights
- Going on holiday the week after the bathroom, not paying for the trip but even spending money is a lot. We also bought 3 new suitcases, as the old ones were nackered
Am I churlish for wishing it was June already?
Work is busy but I have earned £90 from surveys since the start of the financial year. £50 of that was Y Live from last financial year, it's just the way the payment fell. My filter remains firmly at £10/hr+ and I'm not sure what target I'll set myself for the year (if any). Maybe earn the Trading Allowance and then see where I stand.5 -
Poor DD2. Hope she feels more like herself soon. ❤️🩹
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5 -
I need to transfer my cash ISA, any recent recommendations for rate chasers? 🤔
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@edinburgher - Natw3st currently have a 4.05% / 4.30% ISA for current clients - I just shifted over money from a regular savings into the ISA which for some reason took 48 hours. Rate holds for 1yr and it is easy access.
4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Sep 2038 (reduced by 3 years)4 -
Eeeeeek Ed 🙈
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Pet troubles, deleted original post by accident 😒
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Lol 😆 was wondering why there was an eek to ISA discussion!
Sorry you lost a post! That is the worst.
4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Sep 2038 (reduced by 3 years)3 -
My contract has been extended until April 2027 😊
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