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Time for a new start
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Honeysucklelou2 said:Happy new diary! Is your DS1 looking at uni courses?
I doubt the wierd one will go to uni, atm his ambition is to be a bus driver, but the smallest is incredibly bright academically when he can cope with the learning, so depending on his secondary and sixth form journey, uni may well be on the cards for him. Probably something like History or English/Creative writing. Or drama/presenting. He certainly has a flair for the dramatic.Debt free Feb 2021 🎉3 -
Blimey, yes, supporting two at uni would be prohibitive!
I love the options they have for apprenticeships these days, definitely the way forward if the chosen career path allows
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved1 -
Where I work there are many senior leaders on very good money indeed who didn’t go to university so it’s possible to have a great career without a degree.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Sun_Addict said:Where I work there are many senior leaders on very good money indeed who didn’t go to university so it’s possible to have a great career without a degree.Debt free Feb 2021 🎉2
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Happy new diary! Hopefully it helps you with getting the debt gone before September. Sounds like you have a good plan in place for it.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Was paid today, £200 off the holiday, so that is cleared, will be redirecting £100 a month towards spending money. We are going in August.
£100 off the driving lessons, so total debt now at £1600. Will make sure minimum payments are met on the other cards, but unless I make anything extra that's it until next month.
I need to get the brakes done on my car, so next month may be lighter on the payments. But will keep chipping away at it.Debt free Feb 2021 🎉3 -
Sounds like you are doing well. Hope the brakes aren't too expensive. High priority though.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/250 -
Strolling through the week. No spare cash, but I should get some money for my birthday next week. My mum has got me a magazine subscription which I asked for. Unfortunately as it is for cross stitch (which I enjoy, but am very slow at) I now have a long list of new projects, enough to last me years 😆 got hubby to book a play at our local theatre, that's booked in for 28th, and he said we could go out for a meal if I want on my actual birthday. Would be nice, but may just opt for takeaway instead. See how I feel. Our palates are quite different, and I would love to go to a Turkish restaurant in town, not sure he would be able to find anything to eat.
Had to fill up with petrol a bit sooner than I would have liked, took the smallest to a cub weekend so that was about 80miles I didn't anticipate doing this month, I was hoping to be able to share lifts, but no one else I knew was going.
I need to find a bit of cash as I am taking the Brownies to a theatre show next month. Any adult volunteers costs will be covered, but I think us leaders may need to chip in at least half the cost of the tickets.
Anyway I need to go and sew some badges in the smallest cub jumper. Something I absolutely hate doing!Debt free Feb 2021 🎉4 -
End of the working week. Need to take the smallest to town and get his feet measured, one of his pairs of shoes look very small, although he hasn't been complaining, but may as well go and check. If they have grown, that will be expensive.
Otherwise I have nothing really planned. Just attempting to not spend anything!Debt free Feb 2021 🎉2 -
Sounding good DAL
At the start of covid (when you couldn't go to shops) I bought one of those foot measurer things from Clarks for like £15. Game changer. I can just measure their feet, order a whole load online and send back what's not needed. Have used it ever since.... kids prefer trying them on at home without the pressure of walking in a line and having to say yes or no after 5 seconds tooPlus there's more variety when buying online and you can see what's available in their size etc
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved2
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