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Progress not Perfection

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  • foxgloves
    foxgloves Posts: 13,852
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
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    Wow, that's a huge amount of energy account credit! We are on over £300 but way short of the £600+ with which we went into the 2 previous winters. Our monthly DD was cut back by a lot for a few months, which evened things out. I've just slightly increased it, having looked at the monthly payment calculator tool thingy on the Cephalopods' website, & am keeping an eye on it.
    F
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • RelievedSheff
    RelievedSheff Posts: 13,204
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    Just catching up with people's diaries.

    That is a massive amount of credit on your energy account, but I do seem to remember that your monthly direct debit is quite high as you use a lot in the winter? 

    We are about 3 months in credit which usually works out about alright for us.
  • SuzeQStan
    SuzeQStan Posts: 2,361
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    We are similar / bit less energy credit than you SYA - we use it as a buffer over the winter months and anything left over come May is credited back to us. Just prevents any shocks in case of very cold winter or further energy cost rises come January
    Lancashire
    PV 5.04kWp SW facing
    Solar Battery 6.5 kWh 
    🐙 Intelligent Go

    Mortgage freedom January 2024 - paid off 7 years early by making overpayments where we could.

  • SuzeQStan
    SuzeQStan Posts: 2,361
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    Morning SA - Gently persuade Mr OH that cleaning floors/ tidying & dusting is a MANS JOB 🤣🤣
    Lancashire
    PV 5.04kWp SW facing
    Solar Battery 6.5 kWh 
    🐙 Intelligent Go

    Mortgage freedom January 2024 - paid off 7 years early by making overpayments where we could.

  • jwil
    jwil Posts: 24,083
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    Exciting that the work will be done soon.
    "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 McGee
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