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Fresh Diary for 2024!

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Comments

  • BlueJ94
    BlueJ94 Posts: 3,175 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all! 

    So my debt has gone up and down throughout the year. I need to sit down and take accountability again so here it goes; sadly im back at £3815.72. 

    Salad Money - £1084.09/£1200

    Zopa £168.70/ £200

    JAJA - £835.93/ £900

    Monzo £342.45/ £500

    Capital £169.40/ £200

    Zable - £735.15/ £800

    Fashion World £480/ £700 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,175 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all!

    On late shifts this week so finish at 6pm. Made money over the weekend from Vinted, got some items to list and post aswell. 

    Work is ok, but I keep snacking as its an office job! So I'm trying to eat better I've started taking porridge to work now aswell so Im not hungry by 10am haha! 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,175 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    So at the start of the year my goal was as follows;

    My goals for this year 
    - Get debt gone
    - Buy my house (75k so nice and cheap)
    - Meal plan/prep
    - Cut out Coffee (I gave this up on 22nd November 2023)
    - Have savings of at least 2k!

    I have completed the following 

    Buy the house & meal preps

    i'm not going to kick myself about debt or savings as savings i used to buy the house and debt I need to sit down and sort!
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,175 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    So just seen on Facebook an ad for MSE Martin about lifetime savers, I think I will open one!
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,175 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 24 September 2024 at 3:34PM
    Morning all, 

    I'm going to start making to do lists so I actually try and get them done. 

    To do today 

    Post parcels before work - Posted 2 this morning, 4 more after work
    Eat breakfast at work - do bourbons count? :lol:
    Do some surveys in quieter times though the day - Earnt £6 
    List more things on Vinted - Doing when I get home
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,175 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Happy Sunday all!

    Myself and OH went out this morning on a tip run, I then went to visit my mam who's only 5 minutes drive from me. Rest of the day plans are as follows:

    Put all clean washing away 
    Put washing on 
    Change bed sheets 
    List items on Vinted 
    Meal prep work lunches 
    Make work breakfasts 
    Do some surveys 
    Check where my debts currently stand 

     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,175 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    So far I have 

    Put all clean washing away 
    Put washing on 
    List items on Vinted 

    About to 

    Meal prep work lunches 
    Make work breakfasts 

     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • Sounds like a productive Sunday, reminds me I need to get back into doing a few tip runs.
  • BlueJ94
    BlueJ94 Posts: 3,175 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning!

    I meal prepped for this weeks work lunches, went to Aldi on the way home last night and topped up on fruit and veggies! Rory starts puppy classes again from tonight so looking forward to that :smiley:
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • EssexHebridean
    EssexHebridean Posts: 25,645 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    BlueJ94 said:
    So just seen on Facebook an ad for MSE Martin about lifetime savers, I think I will open one!
    Be very wary about ads featuring Martin anywhere - he doesn't do ads at all! 

    If the thing you are looking at opening is a Lifetime ISA (LISA) then allowing you have already bought the house, there would probably be no real benefit to you in opening a LISA now as there are better savings option out there for most people I believe if Pension savings are what are being looked at. 

    Enjoy the puppy class! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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