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Road To Financial Recovery

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Comments

  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    🤣 Bet you can’t wait for a rest. I think I’m at the point where I just love getting to weekend and relaxing. I guess the issue with that is the weekend should when I’m catching on home stuff lol

  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    Midway point of the week :D. Nothing much really to report. Today wasn't quite as early start as yesterday but still managed breakfast. I have cut down on caffeine intake and that seems to be helping with sleep. All direct debits are now gone, just a manual payment to make towards holiday. We get paid every two weeks so hoping I can start putting in weekly to savings.

  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    Another day ticked off, I can not believe how cold it has been 🥶, it would be nice for it just to not be so grey and dull. Today has been okay, I managed to sleep okay last night but getting up wasn't quite as easy this morning, we currently have a bug running through the household so everyone is feeling a bit meh. Work has been okay this week and I am trying to become more aware of my work loads and trying to become a bit more proactive with things. I now have a list of all my ongoing projects and a separate actions list for odd things. I need to get better at email stuff but tomorrow is normally my admin / review day but I did it today due to feel shocking. Tomorrow is also a day full of meetings, plus getting tyres fitted tomorrow whilst I am at work.

    I had a bit of an eyeopener today in just how much spare funds we just let drift away without any real job for it. I have always convinced myself we were doing well with budget and stuff but actually becoming more aware and watching / tracking the funds makes me see that there is so much our money could be doing for us.

    We have done some researching and found a decent dining table and if we are sensible I think we could buy this when I get my salary at the end of Feb. It isn't too expensive, just need to check the sizing and then we will sort that. After that we need to get a new Fridge Freezer, we have seen the one we want and its a bit more than we normally would spend but we are going to save up for a few months before making a purchase.

  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    MOT is booked for this weekend, so I need to make some time on Saturday morning just to empty the boot of stuff. Sunday we are planning a nice walk and some pub lunch, but it depends on how cold it is. I got new lego for Xmas and I have been desperate to start it but just haven't found time so might make that a Sunday thing. It will take forever to build but once I start I won't want to stop.

    We get paid tomorrow so I can add funds to petrol, food shopping, savings. This allocation will need to last two weeks.

  • Rhyddid2026
    Rhyddid2026 Posts: 1,312 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Sunday lego sounds like a fabulous way to bring a little joy in :)

    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
  • BlueJ94
    BlueJ94 Posts: 3,318 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic

    You're like me @FootyFanDan as soon as i start lego I have to build it. I had the Rolife buildings for christmas.. ive built one so far 😂 i built my OH lego car as people buy him them for Christmas and he doesnt have the patience to build them.

     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
  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    😂 I have the home alone house so yeah it’s quite a big one to complete, but I love building Lego I’ve had quite a few of the smaller ones so this is going to take some level of patience

  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    It’s the simple things haha, I’m quite content with my own company at times I can just sit peacefully building it. Another thing I like to do to relax is doodle n colour maybe I’m still young at heart 😂

  • FootyFanDan
    FootyFanDan Posts: 2,066 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    Good Morning on a wet dark Friday! The end of another week but today is a quite busy one for me, few meetings, a the change and then also football tonight. I’m feeling a little bit more positive today than I have done lately, got a lot of admin related stuff today but it will be a long day. I will shuffle the money into the various funds that can be topped up.

    Hope everyone has a lovely day

  • daisy_1571
    daisy_1571 Posts: 2,996 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    I know it takes more time but after Xmas people often get rid of tables and chairs (whereas in nov/dec other people are desperately buying them lol) so if you've any charity places that do furniture near you have a look, we've got lovely tables from a couple of good ones near us over the years

    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
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