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A Change is Gonna Come.................
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Yeah I might give them a call actually.
Just had a £4 survey completed!Debt Free - 4th June 20251 -
So I've just booked the lodge again for next year and decided to just go away for bonfire week - cannot deal with the noise again here it's just too much for the dogs.
Usually go away for a week anyway so all good.
Booked for £25.00 and balance to be paid by August 2025 so I'm gonna work out a payment plan and make sure I pay something every week to this.Debt Free - 4th June 20251 -
Debt Totals - 01072024
£765.10 - Very
£1,191.59 - Tesco - PIF - 05072024
£2,389.51 - Virgin
£6,749.16 - Lloyds
£11,095.36 - Total
Debt Totals - 10112024
£270.09 - Very
£412.03 - Virgin
£4,947.37 - Lloyds
£5,629.49 - Total
Total amount repaid - £5,465.87Debt Free - 4th June 20253 -
Hear you on the change mindset… and toxic ex. Good luck on your journey, looks like you’re off to a flying start!Emergency Fund: 1000/2000April Grocery Challenge: 150/550
S&S ISA: £244
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 0/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p12 -
Ah I'm still trying and trying and trying.
It's so hard to rewire your brain and your thoughts.
We'll get there though!Debt Free - 4th June 20252 -
_Dolly_Rocker_ said:Ah I'm still trying and trying and trying.
It's so hard to rewire your brain and your thoughts.
We'll get there though!
budgeting included in the self care here now and not overspending being a big one for me to switch up.Emergency Fund: 1000/2000April Grocery Challenge: 150/550
S&S ISA: £244
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 0/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p12 -
I'm digging out a couple of new notebooks from my stash.
One for finances and one to keep a food and exercise diary.
It's mid month and I'm not gonna be 100% until after Christmas and NY but I'm going to try and make some small changes now to get me started.
House to a home is still ongoing.
Honestly I'm still living in a bit of a depression pit - my mental health really affects my ability to do anything.
I'm going to start from tomorrow and focus on one room at a time.Debt Free - 4th June 20252 -
_Dolly_Rocker_ said:So annoyingly I paid my Very account by bank transfer and I've logged in and realised that it's allocated the payment to the Buy Now Pay Later that has the latest expiry date rather than the one that expires soonest.
I'll log back in next week and just work out that my monthly payment is still going to clear the balances in time.
Note to self - do not pay BNPL by BT ever again.
Today I am cancelling a contract that I paid for my ex for the last 2 years - we split up about 18 months ago, I changed the SIM so he wasn't able to use it but annoying still had to pay £25 a month for it. Lesson learned I am going to stop paying for and taking things out in my name for losers who do not deserve it! Just on the chat now waiting to speak to someone.
I've got my own number due up for renewal too so will see what they offer me for that.Debt Free - 4th June 20252 -
Phone contract cancelled - how many times do you have to tell them you don't want it before they just cancel! So infuriating.
She was like oh you could just keep this as a back up SIM just in case - yeah no bother I'll just continue to pay £25 a month.
I just told her you are not listening to me are you - cancel it and I don't want to discuss anything else with you.Debt Free - 4th June 20251 -
Home and working away with a crime documentary on as my emotional support background noise - I know, how relaxing!
3 paid walks completed during the day and 1 more to do tonight. Got to be done to pay the bills.
I'm tired today, its TOM and I just feel drained. Got blood tests tomorrow at the Dr's to check for thyroid, PCOS and perimenopause - the joy of aging! j
Cannot heat up at all today, I'm sitting with my coat on and my hood up right now.
Ordered my pal a Christmas gift today so £20 spent, off to check the bank account now.Debt Free - 4th June 20251
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