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WinterWarrior said:The numbers are looking really good jwil ⭐️ …and all that decluttering! Amazing work.Congratulations on your clear record….never needed, but lovely to have!
Thank you bothsavingholmes said:Doing so well
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Today's PAD - £27 (eBay sales)
Jan - £141
Feb - £27"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Great decluttering.
Hope your knee gets sorted.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Awesome on your totals and your decluttering.
Glad that you have an appoinpment for the MK team I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
Could you go back and offer a lower f&f? Worse that happens is they say no.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3 -
Thank youdoingitanyway said:Great decluttering.
Hope your knee gets sorted. I really hope they can do something.
Thank youbeanielou said:Awesome on your totals and your decluttering.
Glad that you have an appoinpment for the MK team
I could, but I've tried with these before and this seems to be the level they are at. I could only go to £1k at the moment, and that would wipe me out, so I'm not going to bother as I'd rather get some more work done on the house. I'll play the long game as it's all off my credit report now so whether I have the debt or not doesn't make any difference, and my monthly payment is only small so it's not really impacting on my budget. When I've got some larger savings I'll revisit, as it would be nice to see it cleared!Sarahwithlove said:Could you go back and offer a lower f&f? Worse that happens is they say no."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3 -
Today's PAD - £7 (survey money)
Jan - £141
Feb - £34
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
Feeling rough today. I had a bad night as I think I may have eaten some iffy prawns yesterday. They smelt stronger than normal but I ignored it as they were well in date. Having been violently ill in the past from seafood, I think I got off lightly this time if it was the case! Note to self, don't ignore the sniff test!
It's my Friday today, I could so get used to these two day weeks
The bank accounts are looking healthy at the moment due to the lack of council tax and water. I love these months! Just need to decide where I'm going to stash the cash.
It's a busy month for birthdays this month, so I want to get those sorted this week. Little miss told me she 'may or may not' be writing me a book for my birthday as she wants to think outside of buying things. 😍😍. She's so funny, and that will be a fab gift which makes me very proud. (If she decides to do it of course, and she can't tell me that as it's a surprise ) "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5 -
Hope you feel better soon. Now off to catch up on your diary. Not been on the forum for a couple of weeks and you have been busy. Pad for Jan looks fab. Well done!Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...3 -
Oh no, prawns can be dangerous 😖Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p13
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