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Road To Financial Recovery

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Comments

  • FootyFanDan
    FootyFanDan Posts: 2,172 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    I think I need a few more reminders ha. But yes I’m trying to be a bit more present than I have been lately. I’m not averse to working a few extra hours when needed but to be constantly on the wheel isn’t a path I’m prepared to tread any longer

  • FootyFanDan
    FootyFanDan Posts: 2,172 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    Payday as been and I have managed to sort all pots out pretty quickly. This is the first month that I had everything all setup to go out automatically, and all went quite smoothly. A few tweaks required as I somehow have direct debits that leave my account on the 30th so need to change those. I have topped up all savings pots and will drip feed some of the investment accounts through the month. The one major expense this month is our dining table, we've finally bit the bullet and ordered this as it was on sale. It is something we've needed for so long so and one we really like so would rather get it whilst we have the funds. It is taking some getting used to letting go of some of the funds and spending but it needs to be a balance.

    This weekend has been really lovely, and somehow I kinda feel a little like my old self (probably briefly). Yesterday we had breakfast out and then and watched spiderman…which I loved..daughter also really enjoyed it. We are going to watch all the marvel at some point.

    I had a pretty good week overall at work last week and seem to have caught up in a lot of areas, just need to keep making progress with this.

    Rest of today will be a pretty relaxed evening, but yeah its been a nice weekend and somehow has kind of given me a bit of a boost.

  • Rhyddid2026
    Rhyddid2026 Posts: 1,431 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    That all sounds rather delightful, well done!

    Debts                04/01/25       03/08/26  
    Natwest X2        £14,122.71     - 
    Barclaycard        -                    £10,078
    Lloyds CC          £6,112.60      £3,595
    1st Direct CC     £176.03         £33.93
    CC total             £20,411.34    £13,706.93
    OD                     £1100            £0
    Car loan             £4,000          £2,800
    1st Direct Loan  £10,684.44    £4,875
    Total                  £36,195.78    £21,381.93
    EF £2,550
    HF £100
  • FootyFanDan
    FootyFanDan Posts: 2,172 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    Work today didn't feel as productive, I was up early but due to an overnight accident ended stuck in traffic for over an hour which is always a fun start to the day. Luckily no one was hurt it seems so that is a relief, I always try not get to annoyed about traffic jams, but we are only human I guess. Also not feeling 100 % today so really hoping not coming down with a bug.

    Transfer Tuesday

    £50 into the ISA account. I am not transferring as much this month as we do have a few planned days out that might take up some funds but I am keen to keep the transfer Tuesday ticking over coz it really is helping me be accountable and thinking where the money goes. Balance showing at £327.00.

  • FootyFanDan
    FootyFanDan Posts: 2,172 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    Finally Friday 🍻, this week has progressively nose dived but we made it. Work has been rough, also not felt 100 percent healthy this week but I did manage the gym this morning for the first time in over 12 months so that is a win. Finances ticking over well, and new table arrives today

  • vampirotoothus
    vampirotoothus Posts: 467 Forumite
    Part of the Furniture 100 Posts Name Dropper

    Hope you can have a chilled weekend so that you feel better going into next week.
    Enjoy your new table and don't let it become a dumping ground! V x

  • DancingInTheRain
    DancingInTheRain Posts: 1,626 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic

    Well done on getting to the gym, hope you have a relaxing weekend.

    Debt Busting Again in 2026!

    Starting Debt 03.05.26 = £5345 Current Total 01.08.26 = £3987

    Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅

    Clear V12 Finance Starting Balance 05.07.26 £600 Current Total 01.08.26 £297

  • FootyFanDan
    FootyFanDan Posts: 2,172 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    Well the table arrived without the top bit 😂 so they was a bit of a false start

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