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Road To Financial Recovery

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Comments

  • BlueJ94
    BlueJ94 Posts: 3,318 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Seems like you're doing well and on track @FootyFanDan well done! 

    Ohhh I love the big C word! Although OH wants a coffee machine and new they are a few hundred, so im going to be looking secondhand 😂
     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;

    Abound - £0/£7,092.16

    DFW Challenges! 

    365 Day 1p Challenge 2026 #9 £104.30
    Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
    Make £2026 in 2026! £602.40/£2026

    Savings goal £162.79/£1000
  • BlueJ94 said:
    Seems like you're doing well and on track @FootyFanDan well done! 

    Ohhh I love the big C word! Although OH wants a coffee machine and new they are a few hundred, so im going to be looking secondhand 😂
    We are slowly get there, we have a lot of stuff still to tackle but we have started which is the main thing. My OH wants a big lego thing, so we shall see. It is good to have made a start, ( I have no doubt I will still be running riot with thousands of other men in our big shopping centre on 24th Dec! 😂)
  • Rhyddid2026
    Rhyddid2026 Posts: 1,312 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I hope you've had a few less busy days now. 
    Debts                04/01/25       01/06/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £9,800
    Lloyds CC          £6,112.60      £3,795
    1st Direct CC     £176.03         £0
    CC total             £20,411.34    £13,595
    OD                     £1100            £0
    Car loan             £4,000          £3,200
    1st Direct Loan  £10,684.44    £6,110
    Total                  £36,195.78    £22,905
    EF £2,100
    HF £168.49
  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    rachmac3 said:
    I hope you've had a few less busy days now. 
    Thank you for checking in, hope you are getting some well deserved rest.

    Last week I travelled to Derbyshire Monday morning, then travelled to Scotland Monday afternoon and spent three days in Scotland on sites and then two days playing catch up, we now are another staff member down too so myself and a colleague are trying to juggle that so yeah…😂. I feel like the weeks are flying by with not very much time for outside work stuff. I’m still trying to declutter coz I’m desperate to have daughters room sorted but honestly I’m exhausted but not the tired type if that makes sense haha. 
  • Rhyddid2026
    Rhyddid2026 Posts: 1,312 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That's a no then 😂
    Debts                04/01/25       01/06/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £9,800
    Lloyds CC          £6,112.60      £3,795
    1st Direct CC     £176.03         £0
    CC total             £20,411.34    £13,595
    OD                     £1100            £0
    Car loan             £4,000          £3,200
    1st Direct Loan  £10,684.44    £6,110
    Total                  £36,195.78    £22,905
    EF £2,100
    HF £168.49
  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    rachmac3 said:
    That's a no then 😂
    😂 getting there, we live for the chaos ha
  • Rhyddid2026
    Rhyddid2026 Posts: 1,312 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I know that feeling! I accept the chaos, but try to keep it to a comfortable level of chaos!
    Debts                04/01/25       01/06/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £9,800
    Lloyds CC          £6,112.60      £3,795
    1st Direct CC     £176.03         £0
    CC total             £20,411.34    £13,595
    OD                     £1100            £0
    Car loan             £4,000          £3,200
    1st Direct Loan  £10,684.44    £6,110
    Total                  £36,195.78    £22,905
    EF £2,100
    HF £168.49
  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    How is it Friday tomorrow. This week has been office based, so been able to catch up a bit. I managed to do a bit of a brain dump, get everything down on paper and able to start working through it.

    Finance wise things are ticking along good, there doesn't seem to be any pending dramas, but I feel prepared for most emergencies that could come up in our situation, expect probably a job loss. Savings now up to £700, which I am please we are able to keep putting to and also some has come out this month for xmas, plus the car drama.

    This weekend we have plans for both days which is unusual  for us, Saturday will be pretty busy as we have a morning at one of high schools, plus little one wants an haircut and then we are off out bowling and for food. Sunday we are going to go to our fav local coffee shop and then for a nice walk and possibly a pub lunch. It has been a while since we have been out so will be nice. Ideally would like to squeeze in some decluttering and the gym but we will see.

    I am trying to find things outside of work to keep my mind occupied, hoping if I can do that I can slowly get some kind of balance back. Also managing to slowly chip away at the holiday which seems like will be here in no time way these days are flying by. 


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