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

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Comments

  • Sarahwithlove
    Sarahwithlove Posts: 3,414 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    MeandO said:
    Let me know how you get on with TeamRH, Sarahwithlove, I'm considering that for some motivation now that I've had to give up my fitness club membership. x
    Im on week 3 and love it so far. App is good, I love the goals set and his bluntness. It puts alot of people off but I need it. Only downside is you commit to 12 months. But plan is working well so far for me. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £760
    *Total debt - £7760/£11641.17*


    Savings
    *Savings Buffer - £500/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Sarahwithlove
    Sarahwithlove Posts: 3,414 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Payslips went up today, was more then I expected in the back pay. Very handy as I've had to order a new to me mobile phone as mine is having issues with charging port and battery is dying. Very annoying but I've ordered a newer version thats ex display so still in Very good condition but without hefty price tag. The rest of the back pay is going into savings. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £760
    *Total debt - £7760/£11641.17*


    Savings
    *Savings Buffer - £500/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Sarahwithlove
    Sarahwithlove Posts: 3,414 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Its been a while. Still doing alot of overtime which is keeping me very busy. But also helping with the budget. 

    October was a very expensive month, lots of football, including a weekend away in leceister. I also went and saw mamma mia at theatre and enjoyed alot of meals out. Treated myself to some clothes, haircut and massages. Also had to visit the dentist and get some antibiotics. Wow now I write it down I realise how much I spent in October. 

    November is looking quieter, 2 weekends without football helps. Catching up with some friends and family but with low cost options. Do have to do some visits at work so may have to make the petrol budget stretch a bit further. 

    I've started on the Christmas shopping, not many to buy for this year as agreed with some friends to not exchange gifts this year. 

    I'm saving up odd change here and there by rounding up payments, transferring interest etc and when I get to £20 I make an overpayment on my sofa loan. First payment has been made already. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £760
    *Total debt - £7760/£11641.17*


    Savings
    *Savings Buffer - £500/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Blackcats
    Blackcats Posts: 4,047 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Nice to see you back. Some months seem destined to be expensive! I like accruing the roundups too - it feels like free money.
  • Has to be asked lol who do you support agSarahwithlove said:
    MeandO said:
    Let me know how you get on with TeamRH, Sarahwithlove, I'm considering that for some motivation now that I've had to give up my fitness club membership. x
    Im on week 3 and love it so far. App is good, I love the goals set and his bluntness. It puts alot of people off but I need it. Only downside is you commit to 12 months. But plan is working well so far for me. 
    Did you watch the vid i sent re water/the fat controller lol

    re teamrh he is really good blunt as a sledge hammer mind but stick with it
  • Sarahwithlove
    Sarahwithlove Posts: 3,414 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Blackcats said:
    Nice to see you back. Some months seem destined to be expensive! I like accruing the roundups too - it feels like free money.
    Thanks its good to be back. I need to remember to come back more often as I always do better when posting on here regularly. 

    Has to be asked lol who do you support agSarahwithlove said:
    MeandO said:
    Let me know how you get on with TeamRH, Sarahwithlove, I'm considering that for some motivation now that I've had to give up my fitness club membership. x
    Im on week 3 and love it so far. App is good, I love the goals set and his bluntness. It puts alot of people off but I need it. Only downside is you commit to 12 months. But plan is working well so far for me. 
    Did you watch the vid i sent re water/the fat controller lol

    re teamrh he is really good blunt as a sledge hammer mind but stick with it
    I'm a Pompey fan for my sins haha. 

    I haven't seen your message, I'll go look now. But I do enjoy his no nonsense attitude. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £760
    *Total debt - £7760/£11641.17*


    Savings
    *Savings Buffer - £500/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Check out your inbox i sent it last year lol 
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