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Time to start a Fresh part 2, 2022!

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  • Pay day on Friday for me too… counting down! 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
  • BlueJ94
    BlueJ94 Posts: 2,798 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Evening all,

    Sorry not posted much, super busy! Working Friday with Sainsburys as well as it being my holiday with them so works out about £89.80 for doing 4 hours with them. Working all weekend with them as they're desperate and I don't mind as I've had all this week away from them. Payday has moved from 3rd with them to the 1st due to Bank Holiday.

    My main job, I decided I'm going to stay with. Everything is costing more money so may aswell stay at the job, I no longer hate it as there's a lot more structure with them now. Also, they've moved me from the department I'm in to refurbishment dep, all tech stuff which I enjoy so should be fun. Plus I'm the only girl in there now so I get to show them us women can do just as well :lol: I'm doing that 5 days a week 9am until 3pm and then the last 45 minutes I'll go back into the warehouse department to check all is okay etc. I think they might ask me to be warehouse manager in the future as I basically do a bit of everything at the minute.
     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;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

  • BlueJ94
    BlueJ94 Posts: 2,798 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all, 

    Back at Sainsburys this morning on my day off from them so that means double pay! :smiley: I don't mind as I'm only at my other job until half 12 as I've booked half day. Then I plan on doing a food shop :smile:
     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;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

  • Yay for double pay :)
    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
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Double pay is definitely a bonus! You sound so chilled and content at the moment though - it’s fab! 
    🎉 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • MrFrugalFever
    MrFrugalFever Posts: 1,301 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Good that you are kind of rekindling your enjoyment with your main job, you’ll know when it’s the right time to move on.

    You must be very close to that magical debt free now, what a feeling that will be. I am awfully close myself I can almost taste it, can’t wait, I really won’t know what to do with my money!! Well...ok I will it’s going in my house deposit fund lol but you know it will be so nice to just not owe anything to anyone!
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £55,050)
    Creation FS Retail Account x 1
    Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £137,707.00 (Payment 13/360)
    Total Debt = £7,400 (0%APR) @ £100pm - Stoozing

  • BlueJ94
    BlueJ94 Posts: 2,798 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Good that you are kind of rekindling your enjoyment with your main job, you’ll know when it’s the right time to move on.

    You must be very close to that magical debt free now, what a feeling that will be. I am awfully close myself I can almost taste it, can’t wait, I really won’t know what to do with my money!! Well...ok I will it’s going in my house deposit fund lol but you know it will be so nice to just not owe anything to anyone!
    Haha yes agreed! It's annoying with 118 as they want a full payment which is my monthly wage so I'll pay them minimum for the next couple of months and pay what's affordable for me as a lump sum.

     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;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

  • BlueJ94
    BlueJ94 Posts: 2,798 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all

    So me and my friend are off to Swindon for the day shopping. I've just finished sainsbury's shift so I am a little tired. Although the drive is only 1 hour and 40 minutes. We usually stop at the services half way to get a drink or snack. I've been eyeing up a new frappe from Costa, it has mango bubble things in!

    Also, my car insurance runs out on the 11th. But, for the first time ever.. I'm able to find a better quote and pay it all in one go!! :smiley:

    Myself and OH are having a nice chilled BBQ tonight and Ive bought myself a nice rose wine 🍷 
     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;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

  • MrFrugalFever
    MrFrugalFever Posts: 1,301 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Enjoy your day out, weather is set to be nice today!

    Ref: insurance, whilst it may be cheaper and our whole purpose is to save money, there are times when it pays to spend a little more and car insurance (in my opinion) falls within that category. Ensure you read your entire IDD and terms of cover before you take out or your 14 day cooling off period is up if already taken out!

    It’s the small print that gets people, I had spent a good hour researching breakdown cover a few weeks back because of my very basic but specific need, eventually I found a company that was very competitively priced but also provided the service details I was after.
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £55,050)
    Creation FS Retail Account x 1
    Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £137,707.00 (Payment 13/360)
    Total Debt = £7,400 (0%APR) @ £100pm - Stoozing

  • BlueJ94
    BlueJ94 Posts: 2,798 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Enjoy your day out, weather is set to be nice today!

    Ref: insurance, whilst it may be cheaper and our whole purpose is to save money, there are times when it pays to spend a little more and car insurance (in my opinion) falls within that category. Ensure you read your entire IDD and terms of cover before you take out or your 14 day cooling off period is up if already taken out!

    It’s the small print that gets people, I had spent a good hour researching breakdown cover a few weeks back because of my very basic but specific need, eventually I found a company that was very competitively priced but also provided the service details I was after.
    Thank you, I know it's supposed to be nice and toasty 12.5 here already. Just waiting for my friend and off we go!

    Ah yeah, I'm going to make sure I read it all. I have window tints and always make sure I have them covered also, even though it goes up a little. My OH is on my car aswell as without him on there it shoots up by £150!! My main one I want to make sure I'm covered to drive other cars as sometimes I have to use my OH car. 
     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;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

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