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Progress not Perfection
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badmemory said:Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up7 -
The Government's only priority is staying in power because the Tory Party believes it was born to rule. I truly believe it is their sole objective. The shocking state of the country is only of relevance to them in terms of whether it will hinder their chances of being re-elected.
F2025'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 5.9kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)12 -
It really annoys me that some of the people who vote tory are actually voting against their best interests & I don't mean their self interested best interests. It reminds me of my parents who were tory voters until I was 15 (only 60 years ago). We always watched the news etc. We had watched something & I was a bit of a communist in those days. Think more Israeli kibbutz than Russian. So as I was a bit of a stroppy teenager, nothing much changes, I stood between them & the TV an asked several different questions along the line of what do you believe should happen this or that. One being tory & one being labour. Every answer they gave was labour policy not tory. So I told them what I thought & got in trouble for swearing but they never voted tory again.
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I do recommend Zopa - easy to set up on your phone and you can nominate one or more bank accounts to pay in or out of. Currently no notice is 2.86%, 1 week is 2.91%, 1 month is 3.06% and 3 months is 3.26%.
The interest is calculated daily and applied once a month from the date you put the money in. I put my sinking funds and my christmas savings in there as you can have as many pots as you need - they also do longer term fixed savings where my DS has his money and that's currently on over 4%.LD 12.25 £1600.00/£0700.00 Fn £274.00 LTFn £525 LLTFn £300
Renewal 25 £500.00/£500.00 InsH 12.25 £600/£600.00 InsP 03.26 £150/£150.00
NPt 12.25 £150.00/£051.50 Ins/TC 02.26 £550/£470.00
YX25 £1500/£0750 FD £3600/£0600
PX25 £1500/£0625 P6m £1200/£0800 PEa £100/£0607 -
Thank you @joeyjimbles that’s the one I was thinking about. I think you or someone else recommended it a while ago.That’s another full working week done. Thank goodness it’s Friday.Worked in the office until lunchtime then had an eye test. What a palaver that was 😬 They couldn’t find my booking but managed to squeeze me in. I had to have the pressure test redone as one eye was showing as raised pressure and the other perfect. Anyway all’s well that ends well and the pressure turned out to be fine. I need new reading and VDU glasses but couldn’t be bothered with the faff of choosing them so have just taken the prescription. They tried to persuade me to think about distance glasses but I don’t think I need them yet.Feel absolutely shattered, my eyes are really sore after all that messing about, shining lights in them and puffing air in them.I’m only a few steps shy of 20,000 so will hit that target shortly.Cashed out £3.15 from TCB. A low spend day too - £2.90 in total.
Trying another new recipe tonight Pesto Fish Parcel from my WW cookbook, basically cherry tomatoes, courgette and red pepper wrapped in a parcel with a piece of cod topped with pesto.Going to have a nice long soak in the bath now, bliss.I get knocked down but I get up again (Chumbawamba, Tubthumping)8 -
Forgot to say DIL is out of hospital.I get knocked down but I get up again (Chumbawamba, Tubthumping)11
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joeyjimbles said:I do recommend Zopa - easy to set up on your phone and you can nominate one or more bank accounts to pay in or out of. Currently no notice is 2.86%, 1 week is 2.91%, 1 month is 3.06% and 3 months is 3.26%.
The interest is calculated daily and applied once a month from the date you put the money in. I put my sinking funds and my christmas savings in there as you can have as many pots as you need - they also do longer term fixed savings where my DS has his money and that's currently on over 4%.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Sun_Addict said:Forgot to say DIL is out of hospital.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
So pleased your DiL has been "set free". Re the distance glasses if you were driving/riding a bike I would say get them, but as long as you can still properly see across the road, we definitely don't want you to get run over, then it would seem a bit pointless. If they really thought you needed them I suspect they would be talking variofocals, which are break the budget time.
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Makingabobor2 said:joeyjimbles said:I do recommend Zopa - easy to set up on your phone and you can nominate one or more bank accounts to pay in or out of. Currently no notice is 2.86%, 1 week is 2.91%, 1 month is 3.06% and 3 months is 3.26%.
The interest is calculated daily and applied once a month from the date you put the money in. I put my sinking funds and my christmas savings in there as you can have as many pots as you need - they also do longer term fixed savings where my DS has his money and that's currently on over 4%.
LD 12.25 £1600.00/£0700.00 Fn £274.00 LTFn £525 LLTFn £300
Renewal 25 £500.00/£500.00 InsH 12.25 £600/£600.00 InsP 03.26 £150/£150.00
NPt 12.25 £150.00/£051.50 Ins/TC 02.26 £550/£470.00
YX25 £1500/£0750 FD £3600/£0600
PX25 £1500/£0625 P6m £1200/£0800 PEa £100/£0604
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