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Resourcefulness: The budgeter's friend
Comments
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Sounds like a very productive day!Credit Card 1 - £6249.99 £4,900
Credit Card 2 - £13,481.47 £12,985
Total debt - £19,731.46 £17,885
Emergency fund £9304 -
Another productive day, by the sound of it. Enjoy your coffee.
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,524....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £570/£3000
.
Studies/surveys August £14.50
Decluttering items 777
Books read 15
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up4 -
cbsexec said:joedenise said:Unfortunately @foxgloves they aren't taking on new customers - I've checked several times recently! As soon as they are taking on new customers I'll be moving. I'll carry on checking from time to time until such time.
Can I ask does that mean you are paying a variable DD rather than a regular monthly DD? I'd prefer a regular DD throughout the year but it certainly wouldn't be a deal breaker if a variable one is all that is available!
I quite agree that more communication/information is important but the only information we get from EDF is "let us help you save money on your power", eg try turning your lights off, reduce the temperature of your thermostat! Don't they think we're already doing these things?
Edit: Just had a look and can't see anything on their website about the £50 signing up bribe! Which site did you see it on please?4 -
joedenise said:cbsexec said:joedenise said:Unfortunately @foxgloves they aren't taking on new customers - I've checked several times recently! As soon as they are taking on new customers I'll be moving. I'll carry on checking from time to time until such time.
Can I ask does that mean you are paying a variable DD rather than a regular monthly DD? I'd prefer a regular DD throughout the year but it certainly wouldn't be a deal breaker if a variable one is all that is available!
I quite agree that more communication/information is important but the only information we get from EDF is "let us help you save money on your power", eg try turning your lights off, reduce the temperature of your thermostat! Don't they think we're already doing these things?
Edit: Just had a look and can't see anything on their website about the £50 signing up bribe! Which site did you see it on please?Goodreads 2025 Challenge :16/75
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/522 -
@foxgloves - I love the sound of your friends gift and I'm going to do something similar for my mum, would love to see your scarf/shawl if possible (might motivate me to do something)Goodreads 2025 Challenge :16/75
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/522 -
joedenise said:cbsexec said:joedenise said:Unfortunately @foxgloves they aren't taking on new customers - I've checked several times recently! As soon as they are taking on new customers I'll be moving. I'll carry on checking from time to time until such time.
Can I ask does that mean you are paying a variable DD rather than a regular monthly DD? I'd prefer a regular DD throughout the year but it certainly wouldn't be a deal breaker if a variable one is all that is available!
I quite agree that more communication/information is important but the only information we get from EDF is "let us help you save money on your power", eg try turning your lights off, reduce the temperature of your thermostat! Don't they think we're already doing these things?
Edit: Just had a look and can't see anything on their website about the £50 signing up bribe! Which site did you see it on please?🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
joedenise said:cbsexec said:joedenise said:Unfortunately @foxgloves they aren't taking on new customers - I've checked several times recently! As soon as they are taking on new customers I'll be moving. I'll carry on checking from time to time until such time.
Can I ask does that mean you are paying a variable DD rather than a regular monthly DD? I'd prefer a regular DD throughout the year but it certainly wouldn't be a deal breaker if a variable one is all that is available!
I quite agree that more communication/information is important but the only information we get from EDF is "let us help you save money on your power", eg try turning your lights off, reduce the temperature of your thermostat! Don't they think we're already doing these things?
Edit: Just had a look and can't see anything on their website about the £50 signing up bribe! Which site did you see it on please?Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
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 thread
My new diary is here3 -
Thanks for all the comments. I'm not too well acquainted with referral codes, never having used them, so am glad there are more knowledgeable folk than me around this morning.....& am covered in bread dough, so shouldn't really be typing on my phone.
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.8kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)4 -
Thanks everyone but decided to just sign up. You're right about them giving you a referral code - I've got one of those now!
Took a few emails to get sorted as they couldn't find my gas meter! Ended up having to send them a picture of it so hopefully now sorted.
5 -
Well I can tell DH is on board with keeping an eye on the pennies. I offered yesterday to take him to lunch and today I reminded him about going for lunch but he declined.
There was me looking forward to the potential fish pie they do at our local Booths supermarket. (He doesn't like it and I've never made one.) Looks like I'd better get making a meal plan done and I can get one made it's not like I've not got the ingredients ready in the freezer. Need to wobble my head a bit
2 Scratters xxAnything is better than nothing-check back and see
On the declutter journey since 2023 with Mrs SD. Tilly Tidy since 2023.5
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