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Road To Financial Recovery

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  • rachmac3
    rachmac3 Posts: 543 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I am not a morning person, I felt a bit sick just reading that! Hats off to you though!
    Debts                04/01/25         01/10/25   
    Natwest2           £6,509.97       £5,830 
    NatWest CC      £7,612.74       £6,830
    Lloyds CC          £6,112.60      £4,940
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,600
    TSB OD             £500              £0
    1st Direct OD     £600              £250
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £30,310
  • FootyFanDan
    FootyFanDan Posts: 1,737 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    🤣 i am not a morning person by choice ha. I just struggle to get to sleep once I’m awake. Some days I would have just laid on sofa and watched tv , but today I needed to just do something n bit too rainy to run outdoors. 

    I’m praying for a longer sleep tonight 
  • FootyFanDan
    FootyFanDan Posts: 1,737 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Morning Diary world, hope everyone having a decent weekend..currently sat having a nice earned cuppa. Up bright and early today and done the long overdue tip runs, slowly getting declutter on track


    This weekend had a few needed spends as had to buy some new work wear ( this is my reminder I need to get working on my fitness again 😳)


    Plan for rest of day is a bit of life admin n F1 

  • BlueJ94
    BlueJ94 Posts: 2,989 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I was supposed to do life admin, I've spent 3 hours decluttering the room of doom!
     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;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

  • alt80
    alt80 Posts: 4,663 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Hope you can work with your employer to secure a better balance at work mate. No answers for the sleep and diet other than I remind myself with both that we all have ups and downs - always had massive problems with sleep but these past couple of years I've struggled to stick to a diet, always !!!!!! craving sugar and carbs - have to be really disciplined. It's useful to weigh yourself everyday too - helps to get on top of weight gain quicker.
  • FootyFanDan
    FootyFanDan Posts: 1,737 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    alt80 said:
    Hope you can work with your employer to secure a better balance at work mate. No answers for the sleep and diet other than I remind myself with both that we all have ups and downs - always had massive problems with sleep but these past couple of years I've struggled to stick to a diet, always !!!!!! craving sugar and carbs - have to be really disciplined. It's useful to weigh yourself everyday too - helps to get on top of weight gain quicker.
    The sleep and diet is a constant up and down with me to be honest. I have never really had an issue with weight, and I have always had it where I have been able to eat what I want, however this was matched with a pretty decent exercise routine which is pretty much non existent right now. Sleep wise I have become more conscious of over time, I used to always be up until all hours and run on limited sleep, so I am now trying to correct that.

    Work is something I am working on, I have managed to switch off this weekend which is a positive. 
  • alt80
    alt80 Posts: 4,663 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    @FootyFanDan glad to hear you're actively working on a balance mate. 

    If you're not doing resistance training, all the food which went on fuelling muscle piles on as fat which is why you suddenly can't 'eat what you want'. Idk I'm not overweight or anything but I do have to be really !!!!!! militant about it to not slip into eating too much and moving too little ha. 
  • FootyFanDan
    FootyFanDan Posts: 1,737 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    haha, I am not really over weight, but as someone who was in the same size clothes and weighed about 10stone for 20 odd years it is deffo clear the eating junk crap and having a office job is not a good combo 😂

    Work is something that is in progress, I have started to be able to trade off some of the extreme technical stuff that is above my current capacity to colleagues in trade for some of their tasks and jobs that are small projects that they haven't had time to do and I am comfortable with, so that has helped. I am extremely busy for the next 6-7 weeks then I have annual leave booked when some of my projects complete. So I am just keeping my head down and cracking on. 

  • FootyFanDan
    FootyFanDan Posts: 1,737 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Not really checked in much here as finance stuff seems to be ticking along fine at the moment, we are in that place where only real expenses are food / petrol and then breakfast club. 

    Decluttering is going well and we have cleared a lot of the living area of boxes - although I am sure we must be a storage place for Amazon, coz their boxes are appearing everywhere. We need to declutter the back cupboard so we can have some space to get other things currently blocking kitchen in there so that might be a weekend task.

    hope everyone is doing well

  • FootyFanDan
    FootyFanDan Posts: 1,737 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Evening all. We are into the last week of the budget period and looking like we will move into a new month with some spare. Once we get to pay day, I will likely just throw the spare amount at the credit card. We have hit the point in the month I was dreading, over the next 6 days I have so much travel and staying away from home for work purposes so going to be a busy next week or so. After this period I have a few weeks of no major projects and just little jobs but still be ticking over.

    Last weekend we were able to get some more decluttering done, also went and started looking at high schools for little one, shes' had her heart set on one place for a long time and we were really impressed with it. I can't believe how fast the kid has grown up! where does time go, we are also at that difficult stage of trying to balance giving her some independence whilst tackling the absolutely s**t show that is the world right now and it is so tough.

    We also took the opportunity to eat out and spend some time together, life just seems so busy right now. It was nice to just sit with no distractions and have food and a few drinks. We had the usual food and petrol payments and we have also just discovered a government thing that helps us with breakfast clubs stuff so although it saves about a tenner it is better than nowt.

    Payday is Monday, so need to look at budget over weekend and see what we have coming up. I will whisper it quietly but we have also done a huge amount of the 'December Celebration" shopping using the funds we have built up. We need to take stock of what we have but most of the family now have something, so that is one less thing.
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