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Progress not Perfection

19799809829849851009

Comments

  • Sun_Addict
    Sun_Addict Posts: 24,984 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)
  • definitely! I learned that lesson the hard way! 
    Debts                04/01/25         02/01/26  
    Natwest2           £6,509.97       £5,500 
    NatWest CC      £7,612.74       £6,605
    Lloyds CC          £6,112.60      £4,450
    1st Direct CC     £176.03         £39.26
    CC total             £20,411.34    £16,594.26
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £7.880
    Total                  £36,195.78    £28,474.26
    EF £701.52
    HF  £3.04
  • 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 £27,424....its going down

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

    Challenges

    EF  £1200/£3000
    .

    Studies/surveys January £86.85

    Decluttering items 1402/
    2025.  80/2026
    Books read    23 in 2025.  2026- 3 (target is 52)  
    Jigsaws done  20 in 2025.  this year. 

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


  • beanielou
    beanielou Posts: 98,018 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.
  • I have had a tidy up after DGD staying . Have a productive day SA . 
    Life is an adventure, never stop exploring.

  • 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 £27,424....its going down

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

    Challenges

    EF  £1200/£3000
    .

    Studies/surveys January £86.85

    Decluttering items 1402/
    2025.  80/2026
    Books read    23 in 2025.  2026- 3 (target is 52)  
    Jigsaws done  20 in 2025.  this year. 

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


  • 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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