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Hey nice to see you, have missed your updates!1
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Me again, just checking in. Sorry been super busy!!
Anyway just an update, Im getting a 6% pay rise from AprilI’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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10004 -
That's excellent news! I feel like I am working for the only company not to have given a pay increase this year... I mean I earn a great wage but my costs are still going up like everyone else lolBlueJ94 said:Me again, just checking in. Sorry been super busy!!
Anyway just an update, Im getting a 6% pay rise from AprilLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4520/£60001 -
You are not alone @LittleMissDetermined my OH hasn't had a pay rise for the last few years and nothing is on the horizon.LittleMissDetermined said:
That's excellent news! I feel like I am working for the only company not to have given a pay increase this year... I mean I earn a great wage but my costs are still going up like everyone else lolBlueJ94 said:Me again, just checking in. Sorry been super busy!!
Anyway just an update, Im getting a 6% pay rise from AprilFashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family1 -
Great news on the pay riseBlueJ94 said:Me again, just checking in. Sorry been super busy!!
Anyway just an update, Im getting a 6% pay rise from April
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I can further confirm that you're definitely not! ;-)LittleMissDetermined said:
That's excellent news! I feel like I am working for the only company not to have given a pay increase this year... I mean I earn a great wage but my costs are still going up like everyone else lolBlueJ94 said:Me again, just checking in. Sorry been super busy!!
Anyway just an update, Im getting a 6% pay rise from April
Great news on yours though J!🎉 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 Calculatorshe/her1 -
Good news, hope you're still enjoying itI too seem to work for a company that hasn't provided a pay rise in over 5 years and in fact moved the goal posts quite significantly in January this year that when you start crunching numbers it is in fact a pay cut, notwithstanding the mention of inflation at 10.4% so not great at all but hey I guess at the moment I should be grateful to have a job at all??!!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 - Stoozing1 -
Right kicking myself into gear again£295 due to leave my account 31st so no more 118 debt.Just paid £20 to Zopa.
Balance stands at £143.14Capital - £194
Then need to kick my bum into gear to save for the houseI’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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
I currently have no loan debts. Technically debt free but I have two CC to pay. So not counting myself as debt free yetI’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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10002 -
Huge progress @BlueJ94! I hope you're pluming yourself love Humdinger x1
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