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Keeping afloat till I can get round to the debts!
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Keeping afloat is goodJune 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest1 -
I know just a bit miserable compared to living it up ha hain_need_of_direction said:Keeping afloat is goodJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k1 -
I'm still at the stage of keeping afloat. I think it's way better than what I was at though...no money for any extras over basics and putting more and more on to credit to just survive. Next step for us both is thriving/ living it up 🤣 (I hope!)Emergency Fund - £1000
Baby cash emergency fund £210/250
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 24/241 -
There's always something! You're doing a great job of keeping afloat xx"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 McGee0
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Budget reset day. Made it with about three quid to spare in my weekly food/petrol and spends. Transferred less to my chase account this week as I need to use some to top up for school dinners. Highschool child is eating dinner at break time then buying a school dinner as well and child number three has decided to swap to school dinners. Our school dinners are going up in Sept to 2.90 a day. Jwil do you pay similar -im just being nosey? We are up north 😂Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k1 -
It's £2.70 a day here which has recently gone up from £2.55. That's primary school.NeverendingDMP said:Budget reset day. Made it with about three quid to spare in my weekly food/petrol and spends. Transferred less to my chase account this week as I need to use some to top up for school dinners. Highschool child is eating dinner at break time then buying a school dinner as well and child number three has decided to swap to school dinners. Our school dinners are going up in Sept to 2.90 a day. Jwil do you pay similar -im just being nosey? We are up north 😂
Little jwil is more as he has a snack as well as lunch at school!"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 McGee0 -
Yeah ours went up to 2.80 last Sept and it's now going up again this Sept to 2.90. eldest at highschool is paying 2-2.50 a day depending what he buys. And it relates to growth spurts so he's not done that all year, he pays for what he chooses were as at primary school is a set charge.Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k1 -
It's weekend yippee. I'm ready for it. House is upside down and loads of washing to do but if we get a morning delivery of the new machine that's due tommorow (fingers crossed) then there's chance to catch up. - the 8-8 delivery slot was cheaper 😂Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k2 -
Have a lovely weekend!"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 McGee1
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Thankyou. Washer came. How exciting -well necessary 😂 otherwise I'm just plodding along. Not much to reportjwil said:Have a lovely weekend!Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k1
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