📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Three C's - Coffee, Clothes & Credit Cards

Options
1444547495062

Comments

  • Oh exciting, a new sofa.  What kind have you gone for leather or fabric?  Plain/patterned?  0% over 4 years sounds like a good option  :smiley:
  • Oh exciting, a new sofa.  What kind have you gone for leather or fabric?  Plain/patterned?  0% over 4 years sounds like a good option  :smiley:
    It's a fabric one in a charcoal grey colour, 3 seater recliner. It has like a brushed suede like feel to it but isn't suede but a more durable material. I'm hoping my cat doesn't like the feel of it lol 😆 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Happy new sofa!  I’m loving being stretched out on mine this evening after my Xmas guests left today.

    Ref. the M jabs - if you remember I started with a referral from you - your side effects sound horrendous! I’ve consistently lost 1-2lbs per week after I decided to stick on 5mg for as long as it was effective and it still is, I’ve lost 10kg/1.5 stone in 3 months which is half way to my target.  I’ve had no bad side effects at all on 5mg, just mentioning it in case you try again in the future. 
    Debt Free 🍾 since 6.8.13 £31,997
    Saving for 🎄 🎁 2025 £460/£800 57%
    6 mth 🆘 fund £6k
    Mortgage offset fund £24.7k/£40.3k 61.3%
    It turns out the answer to my problems wasn’t at the bottom of this tub of ice-cream, 🍨 but the important thing is that I tried...
  • Happy new sofa!  I’m loving being stretched out on mine this evening after my Xmas guests left today.

    Ref. the M jabs - if you remember I started with a referral from you - your side effects sound horrendous! I’ve consistently lost 1-2lbs per week after I decided to stick on 5mg for as long as it was effective and it still is, I’ve lost 10kg/1.5 stone in 3 months which is half way to my target.  I’ve had no bad side effects at all on 5mg, just mentioning it in case you try again in the future. 
    That's great I'm so glad it's working for you. I'm down 25lbs so can't complain and it's a good starting place. If I went back on it I'd have to stick with 2.5 as that had the lowest side effects. I'll see how it goes for next few weeks, I'm hoping I can keep going with losing weight. I still find I can't over eat which is good. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • badmemory
    badmemory Posts: 9,673 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I think a large part of the keeping going is never to have a large meal.  You have used the jab to shrink your stomach so as long as you don't let it get used to much larger quantities again & avoid high calorie foods then you should continue to lose weight.
  • Sofa sounds lovely @Sarahwithlove I bet you can't wait to get it delivered.  I've got a fabric one and my cat absolutely loves it, and loves to stretch out and claw it, luckily there's no damage yet.  I'm not quite sure why he doesn't have the same affection for the huge cat scratching post I have at the side of the settee, but that's cats for you! 
  • Sofa sounds lovely @Sarahwithlove I bet you can't wait to get it delivered.  I've got a fabric one and my cat absolutely loves it, and loves to stretch out and claw it, luckily there's no damage yet.  I'm not quite sure why he doesn't have the same affection for the huge cat scratching post I have at the side of the settee, but that's cats for you! 
    Haha mine likes her scratching post and to use my carpet lol. She's been good so far with current sofa. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy new year!
    "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 McGee
  • Happy new year @Sarahwithlove here's to a happy, healthy and contented 2025.
  • Chocolatefund
    Chocolatefund Posts: 197 Forumite
    Tenth Anniversary 100 Posts Debt-free and Proud! Photogenic
    Happy New Year @Sarahwithlove !
    Heres to a 2025 with your cat not scratching your new sofa.  >:)

    The financial wealth building journey.

    Busting this debt before 40. Started in August 2024 with debt = £19,966. August 1st 2025 debt = £0 and busted!
    Debt free dairy https://forums.moneysavingexpert.com/discussion/6547320/busting-this-debt-before-40/p1

    Savings goals by 31st December 2025;
    Emergency Fund: £3,445 / £4000
    SIPP: £3,932 / £4000
    S&S ISA: £637 / £1000

    “Save me now and I’ll save you later” - Your money

    I eat far too much chocolate...
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.