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The Three C's - Coffee, Clothes & Credit Cards
Comments
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 I only got on the property ladder because of my inheritance after my mum died. I often look at moving but it just seems so unaffordable now.Makingabobor2 said:
 Yes, that's one reason we wouldn't move back down there.Sarahwithlove said:
 I am very lucky to live so close to the sea and it's something i definitely take for granted. Shame about house prices down here though!Makingabobor2 said:
 You must live quite near my dad. He is in L-O-S. I used to love living on that coast. I do miss the sea since I moved to the Midlands. I went to the big school by SB when it was a grammar school, back in the day. Was such a lovely location.Sarahwithlove said:
 My pass covers both L-O-S and nearby S-B which is one I tend to use as I like walking it's golden mile. It also includes the country park between them both as well which I live round corner from.Makingabobor2 said:a beach walk is far better than a weight loss jab. Will help your mental health as well as physical. I know you live down south, is the beach in question L-O-S by any chance?*Dad loan - £5300 - £7000
 *Virgin Credit Card - £3552.50 - £0
 *Natwest - £1828.35 -£0.00
 Barclaycard - £2315.25 - £0.00
 Creation Finance - £960.32 £780
 *Total debt - £7780/£11641.17*
 Savings
 *Savings Buffer - £350/£1500
 *Emergency Fund - £1500/£1500
 New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2
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 Thanks its definitely helped me be motivated and I know regular beach walks will help even more. Going back to the gym is another matter entirely but I also know once I do my walking and get fitter it becomes easier to motivate myself. One of those circles isn't it really. The more weight I lose the easier everything becomes.TallGirl said:Sorry to hear the injections are giving you so bad side effects but great you have lost so much. Must be a great boost and make you want to continue as you say with the walks, gym etc. I think you live very near me if I can work the acronyms out it is a lovely area but expensive for sure. Well done on clearing all the cards great start to 2025.
 Haha there isn't many beaches with the acronyms L-O-S!*Dad loan - £5300 - £7000
 *Virgin Credit Card - £3552.50 - £0
 *Natwest - £1828.35 -£0.00
 Barclaycard - £2315.25 - £0.00
 Creation Finance - £960.32 £780
 *Total debt - £7780/£11641.17*
 Savings
 *Savings Buffer - £350/£1500
 *Emergency Fund - £1500/£1500
 New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2
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            "Haha there isn't many beaches with the acronyms L-O-S!"
 @Sarahwithlove - well I'm confused now because I can only get a seaside place in Essex with those initials and I had assumed that you and your footie team are based in Hampshire. Anyway beach walks sound like a great idea.1
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 I am, i suppose the actual name would be L-o-t-S haha but us lazy locals drop the TBlackcats said:"Haha there isn't many beaches with the acronyms L-O-S!"
 @Sarahwithlove - well I'm confused now because I can only get a seaside place in Essex with those initials and I had assumed that you and your footie team are based in Hampshire. Anyway beach walks sound like a great idea.*Dad loan - £5300 - £7000
 *Virgin Credit Card - £3552.50 - £0
 *Natwest - £1828.35 -£0.00
 Barclaycard - £2315.25 - £0.00
 Creation Finance - £960.32 £780
 *Total debt - £7780/£11641.17*
 Savings
 *Savings Buffer - £350/£1500
 *Emergency Fund - £1500/£1500
 New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2
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            Got it! I won't be getting a job code breaking any time soon 😉1
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            LOL....yes we never call it L-O t-S....lol. In fact to us it is always just LMaking the debt go down and savings go up
 LBM 2015 - debt £57K / Now £28,084....its going down
 Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.ChallengesEF #68 £850/£3000
 .
 Studies/surveys October £64.89
 Decluttering items 1363/2025
 Books read 20
 Jigsaws done 11
 My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1
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            Not much happening here. Went to the office yesterday so that was train and car parking costs out of my travel fund £17. Went to Mr T this morning as ran out of milk and fruit, spent £12.17. Only had £12 in my budget for this week so had to move a whole 17p from my buffer.
 New week starts tomorrow for me, nails are being done £15, lunch out £15, evening out £10. Or at least that's what I'm budgeting anyway. I'm designated driver for evening out tomorrow so hoping the people I'm giving lifts to will buy me a drink. Would then be able to have a cheap night out and not use the full £10. I'm also going out for lunch on Sunday for Christmas meal with my bestie and her family. But that will come out of my Xmas buffer. I gave myself an extra £50 spending money this month for that sort of thing.*Dad loan - £5300 - £7000
 *Virgin Credit Card - £3552.50 - £0
 *Natwest - £1828.35 -£0.00
 Barclaycard - £2315.25 - £0.00
 Creation Finance - £960.32 £780
 *Total debt - £7780/£11641.17*
 Savings
 *Savings Buffer - £350/£1500
 *Emergency Fund - £1500/£1500
 New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/3
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            Good idea to have a xmas buffer for social stuff. Enjoy your meals and evening out.Mortgage 26.4.25 - £108,500 1.9.25 - £105,664.31
 Mortgage overpayment savings - £2.81/£50
 Mortgage overpayments so far - £850.961
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            Definitely worth the Christmas buffer. I've done the same thing after years and years of the money running out in December... who would have thought planning ahead would help!1
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 I think the issue is something always comes up that you hadn't planned for!londoner2019 said:Definitely worth the Christmas buffer. I've done the same thing after years and years of the money running out in December... who would have thought planning ahead would help!*Dad loan - £5300 - £7000
 *Virgin Credit Card - £3552.50 - £0
 *Natwest - £1828.35 -£0.00
 Barclaycard - £2315.25 - £0.00
 Creation Finance - £960.32 £780
 *Total debt - £7780/£11641.17*
 Savings
 *Savings Buffer - £350/£1500
 *Emergency Fund - £1500/£1500
 New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2
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