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Washing Away My Debts By 2024

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  • Evening @Squirrelz92
    I have just finished your diary and you are doing amazingly, i think everyone has those times when they think its starting to slow down or the motivation is going, just try and think even if you can only make £1 payments more than fhe minimum your still getting it down and your debt isnt increasing which imo is the hardest part for me anyway, actually spending my money and not my credit cards money.

    As for the horrible woman, i agree i hate confrontation so i dont instead i like to kill them with kindness, big false smile half looking through them and the happiest good morning ever whilst not slowing down to talk. It may seem immature but i cant do what they do but I can be nice (or at least seemingly nice)...and what are they going to say gossipwise....squirrel walked past me smiling and saying hello.....

    Good luck with the studying and also with the job hunting, fingers crossed
  • Awww bless you for reading my diary @getridofdebt666 :) it’s getting so long now so it’s wonderful to know people are still happy to read from the start! I love reading from beginning to end on everyone’s diaries as otherwise I feel as though I’ve missed so many big events through someone’s journey! 

    Yes I definitely agree with you :) I suppose me putting aside £1 a day into my CC2 pot instead of throwing it straight to CC2 is the same thing, I’m just being more cautious incase I need those funds :) Managed to make a PAD of £2.54 to my CC2 pot this morning as the uneven balance was driving me mad! 

    My partner is sending across his second wod of bill contribution funds tomorrow so that shall bump me up a little. Trying to be so aware of what I’m spending. Normally I would have at least bought a cold drink from the cafe at work by now but I haven’t so a bit proud there :) no doubt I will treat myself to one at some point this week but that’s ok as it’s better to spend £1 than £5! 

    Managed to get the horse into the field without a fight on the road this morning 😂 took my handy whip as protection! Obviously didn’t use it on any horses!!! A simply loud tap on the gate with it is more than enough to get the little swines to back away far enough so me and Arwen can get in safely 😂 

    My son is back to his football training this evening after 3 weeks off (club shut for a break). Will be nice to see him back doing his thing. Season starts again next month so I’m looking forward to spending Sunday mornings watching matches! 
    Debt Remaining: £8,781.53
    3 Month EF: £1,000/£4,494
    2025 MFW Challenge #9: £999.00/£4,000
  • Small diary update.

    PAD made of £2.08 to CC2 pot :) Received £150 this morning from my partner for bill contribution.

    Mum invited me to Formby beach again on Saturday so me and the kids shall drive there early morning for a family gathering again seeming as the weather is supposed to be gorgeous! Shall pack a little picnic and take the dog :) will enjoy digging him a cool hole in the sand to lie in with an umbrella keeping him in the shade. That plus a big carton full of water and a wet sea towel and he should be happy :)

    Balto has the groomers on Saturday so we need to be away from the beach by 2pm at the latest. Again I have been saving for this expense over the last 9 weeks so have the funds all ready to use :)
    Debt Remaining: £8,781.53
    3 Month EF: £1,000/£4,494
    2025 MFW Challenge #9: £999.00/£4,000
  • A day at the beach sounds great, just remember the SPF :)
    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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • A day at the beach sounds lovely especially in this weather, hope you have a lovely day, i usually freeze a bottle of squash the night before in a 2 litre pop bottle and it freezes gradually over the day so nice cool pop for hours! 
    Well done on your PADs, how did you son get on at football? Hope he enjoyed it!
  • Squirrelz92
    Squirrelz92 Posts: 770 Forumite
    Sixth Anniversary 500 Posts Debt-free and Proud! Photogenic
    edited 12 August 2022 at 6:40AM
    Very much looking forward to it @LittleMissDetermined & @Getridofdebt66 :) Great idea for the bottle in the freezer! 
    He is happy to be back training and they are looking to arrange some friendly matches before the season kicks in but with it being the summer holidays, there are never enough kids at training to make a full team so sadly won't be able to I don't think :( After next Wednesday, DS won't be there for 2 weeks as he is down south with my Mum so I can work. 

    PAD of £6.34 today which has gone straight to CC2 as I cashed out from Prolific :) Have also sent £5 into my CC2 pot to contribute towards an overpayment on payday eve. Current account isn't looking too bad at the moment. Worked out that week 4 of the period I will have a decent wod of income which should hopefully leave me with a few pennies to spare for perhaps a £100 OP but we shall see!

    Treating myself as usual today to 3 sausages and some beans for my Friday fry up at work. Costs roughly £1.30 so can't complain. May grab a drink as a treat too as I never normally buy from the subsidised canteen. Friday is treat day at work!

    Debt Remaining: £8,781.53
    3 Month EF: £1,000/£4,494
    2025 MFW Challenge #9: £999.00/£4,000
  • Morning,

    Very busy weekend! Headed to Formby beach to see family on Saturday and my god was it hot! Perfect timing for the sea to be at high tide at lunchtime so we all managed a swim! I have never seen a strip of beach so crowded with people. Honestly felt like sardines in a tin. Made me a little anxious as I do enjoy my bubble but needs must. We had to head home at 1.45 as the pooch had his full groom at 3pm and it was a 45 min drive back pending traffic. Ended up not feeling well at all for the rest of the day so did the bare minimum, necked some tablets and hoped for the best. Heatstroke is soooo not nice :(

    Thankfully some sleep killed off the majority of feeling crappy on Sunday so we did the food shop as per normal; £36 for the week so not bad at all! £50 spent on diesel for the week as per normal. My son needed new astroturf trainers for his football practice and games once the season  starts again next month so we headed into the city centre to grab a pair. Ended up looking at the majority of shops but didn’t buy anything else :) £27.99 for the shoes which were on sale and should last the next year. My partner did end up buying me another two regatta fleece jumpers to complete my colour collection as they were on sale in GoOutdoooooors for 2 for £12! 

    After paying £54 for my dogs full groom I had £3 left in that designated pot so transferred that to my CC2 fund. 

    Made a PAD of £25 to CC2 this morning as my DD came out :) shall update signature soon.

    Hope everyone had a fab weekend! Cannot wait for it to rain for the next week now 🎉🎉🎉
    Debt Remaining: £8,781.53
    3 Month EF: £1,000/£4,494
    2025 MFW Challenge #9: £999.00/£4,000
  • Aside from the heatstroke, it sounds like you had a great weekend :)

    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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Glad you had a good weekend apart from the heatstroke, i have to say I am very happy its cooler today  i love beach days and yours sounded brilliant but like you hate the crowds...and that family despite there being room elsewhere pitch up 2 foot away....
  • Glad you had a good weekend apart from the heatstroke, i have to say I am very happy its cooler today  i love beach days and yours sounded brilliant but like you hate the crowds...and that family despite there being room elsewhere pitch up 2 foot away....
    Most definitely my pet hate there @Getridofdebt66! They have the whole beach and yet they choose to sit right next to your towel! Baffles me every time 😂 So pleased it’s now set to rain for the next week! I’m sooo over this heat. Haven’t been able to do anything with the horse with it being so warm so that’s not helping with her ‘prehab’ to get as strong as possible before surgery next month. 

    Got my expense for diesel returned to me from work this morning which was £10.50. Decided to just whack it to CC2 so that’s bumped it up a teeny tiny amount 😂
    Debt Remaining: £8,781.53
    3 Month EF: £1,000/£4,494
    2025 MFW Challenge #9: £999.00/£4,000
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