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Progress not Perfection

1979980982984985

Comments

  • Sun_Addict
    Sun_Addict Posts: 24,800 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I will be with you next week SA holding the fort but WFH as the office is closed and no one really understands why our team has to work 🤷🏻‍♀️.
    We are only closed bank holidays 🙁 The area I work in is subject to a lot of media requests for information so someone needs to be there to monitor inboxes and deal with them asap as we are usually given a very short turnaround time often less than a couple of hours. So I understand why one of us needs to be there. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Rhyddid2026
    Rhyddid2026 Posts: 832 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    definitely! I learned that lesson the hard way! 
    Debts                04/01/25         01/12/25   
    Natwest2           £6,509.97       £5,600 
    NatWest CC      £7,612.74       £6,680
    Lloyds CC          £6,112.60      £4,690
    1st Direct CC     £176.03         £144.20
    CC total             £20,411.34    £17,114
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,160
    Total                   £36,195.78    £29,274.20
    EF £1,002.83
    HF  £
    203.99
  • Makingabobor2
    Makingabobor2 Posts: 4,502 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Just seen this on social media. I think this is particularly apt for me and probably for others on here: 

    Definitely
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £27,644....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF #68  £1000/£3000
    .

    Studies/surveys  December £86.68

    Decluttering items 1400/
    2025
    Books read    23
    Jigsaws done  19

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • beanielou
    beanielou Posts: 97,522 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Remember Mr N lived to be 20. 
    I’m not sure if you ever rest! 
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,800 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Morning all. 

    I’m determined to be more productive today. I feel better when I am. 

    For starters the dog needs to go on the park shortly. I need to make a batch of soup for work lunches and make a meal plan, might do one for the whole of January based on what’s in the freezer/cupboards. Also need to have a good tidy up. 

    Best get cracking…
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,199 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    I have had a tidy up after DGD staying . Have a productive day SA . 
    Life is an adventure, never stop exploring.

  • Makingabobor2
    Makingabobor2 Posts: 4,502 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    I'm going to start journelling next year as well. Started several times before & gave up as was always too tired at night. Going to try mornings instead. Intend to update my MSE diary as well and make a much better plan for next year. 
    Enjoy your bath & prosecco. I have prosecco left but not feeling too good, bit fluey, so not sure if prosecco is a good idea. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £27,644....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF #68  £1000/£3000
    .

    Studies/surveys  December £86.68

    Decluttering items 1400/
    2025
    Books read    23
    Jigsaws done  19

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Sarahwithlove
    Sarahwithlove Posts: 3,470 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Just seen this on social media. I think this is particularly apt for me and probably for others on here: 

    Love this! 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £0
    *Total debt - £7000/£11641.17*


    Savings
    *Sinking Fund - £800/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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