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Time to start a Fresh part 2, 2022!

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Comments

  • EssexHebridean
    EssexHebridean Posts: 25,896 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck for the interview - fingers crossed for you!

    As for the Forum Ambassador bit - I'd shove in a Ferrero Rocher joke but I fear you may be a little young to appreciate it! :lol: Well done there too! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • BlueJ94
    BlueJ94 Posts: 3,275 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Good luck for the interview - fingers crossed for you!

    As for the Forum Ambassador bit - I'd shove in a Ferrero Rocher joke but I fear you may be a little young to appreciate it! :lol: Well done there too! 
    Thanks!

    I'm intrigued now :lol:
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Abound - £0/£7,092.16

    DFW Challenges! 

    365 Day 1p Challenge 2026 #9 £104.30
    Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
    Make £2026 in 2026! £602.40/£2026

    Savings goal £162.79/£1000
  • This feels like a really positive post @BlueJ94 and even though you’ve been working a lot, the extra money to either pay off debt or treat yourself with is a bonus. 

    Enjoy the bottomless brunch!! 
    LMDx
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017
    EF £1000/£1000 | Sabbatical £4685/£6000
  • BlueJ94
    BlueJ94 Posts: 3,275 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    This feels like a really positive post @BlueJ94 and even though you’ve been working a lot, the extra money to either pay off debt or treat yourself with is a bonus. 

    Enjoy the bottomless brunch!! 
    LMDx
    Thank you, I've picked up an extra shift next Thursday which I don't mind as all my money is going to my debt next month rather than the car. 

    Also, booked myself in for another tattoo in August! 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Abound - £0/£7,092.16

    DFW Challenges! 

    365 Day 1p Challenge 2026 #9 £104.30
    Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
    Make £2026 in 2026! £602.40/£2026

    Savings goal £162.79/£1000
  • foxgloves
    foxgloves Posts: 13,258 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    @BlueJ94 - Oooh, look at that debt total starting with a '2' - you are seriously well on your way to debt-free now. I don't think you'll ever build it up again, as you know it just takes too long to pay it off. You'll soon be able to transfer your budgeting skills from debt-busting to saving.
    Keep going for the final stretch......
    F x
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • BlueJ94
    BlueJ94 Posts: 3,275 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    foxgloves said:
    @BlueJ94 - Oooh, look at that debt total starting with a '2' - you are seriously well on your way to debt-free now. I don't think you'll ever build it up again, as you know it just takes too long to pay it off. You'll soon be able to transfer your budgeting skills from debt-busting to saving.
    Keep going for the final stretch......
    F x
    I know, crazy how fast I've gotten into the 2s, especially since January!!

    No I definitely won't, its sooo not worth it! Thanks for the support!x
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Abound - £0/£7,092.16

    DFW Challenges! 

    365 Day 1p Challenge 2026 #9 £104.30
    Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
    Make £2026 in 2026! £602.40/£2026

    Savings goal £162.79/£1000
  • BlueJ94
    BlueJ94 Posts: 3,275 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Evening all, 

    Thanks for the support and encouragement to those who follow along. 

    Sainsburys has offered me an extra shift every Thursday for the time being which I accepted. They've also asked my mam to come back, as we're that short staffed! She's starting back tomorrow. Yay!

    Downside to this week, I've cracked my screen on my phone. This is the second time since December :lol: plus side, I work within a phone company so I can get it done cheaper. Its £130, but I'm going to wait it out as my phone is perfectly useable so not really bothered. Annoyingly it keeps falling out of my works jacket, so now I keep making a conscious effort to not put it into my jacket pocket and leave it on the table instead :lol:

    Not much going on, off out after work tomorrow with the people I work with. They're going for a pint, me? A nice Latte :lol: im driving but I don't mind as I'm working in sainsburys all weekend, I've changed from working Monday and Tuesday as over time as I think that this the issue and how I got burnt out. The weekends I can just nap :smiley: so I'm typically working Sainsburys Wednesday to Sundays which works for me and I'm actually getting much better sleep.

    Catch you all later x
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Abound - £0/£7,092.16

    DFW Challenges! 

    365 Day 1p Challenge 2026 #9 £104.30
    Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
    Make £2026 in 2026! £602.40/£2026

    Savings goal £162.79/£1000
  • Another positive post, these are becoming regular :)  I am so glad you seem to be in a much better place and you're still managing to gain the extra money to shift your debts.  

    Enjoy your latte...I know it's not the same as a pint, but I'm sure you will enjoy the social aspect just the same. 

    I'm jealous of the tattoo, (although I only just had my latest last month) I'm just not sure what to have next and where. 

    Have a lovely Friday 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017
    EF £1000/£1000 | Sabbatical £4685/£6000
  • Parkyp
    Parkyp Posts: 883 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    All sounds good Jade, 
    I think you need a screen protector 🤣
    Enjoy your night out
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