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The final countdown to June 2026

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  • Morning all,

    Its nearly payday !! I can see the amount as pending in my account but l cant make it clear any sooner despite my best efforts🤣

    Yesterday, the window in the rental was fixed £90 altogether. Not a huge expense but a set back nonetheless. I've paid it from the grocery budget but l will put it back tomorrow.

    I went to the gym twice this week and have a nice day planned tomorrow. Shopping for last bits for holiday, meeting a friend for lunch, then hair cut in the afternoon.

    Current Balance £20,600
    MFW 2026 #31 £2400 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,100 / £10,000


    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £30 / £365

    Declutter 0 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan, 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • Happy "new month" everyone its felt like a long time coming!!

    Friday was a lovely day as expected but when l got home we discovered that the boiler wasn't working...🙈. Not something we can do without. Thankfully MR CK bestie is an qualified engineer he's done a temporary fix and will return to repair when part arrives.

    I think in all between, fixing vehicles, doors and windows and now the boiler we've spent £1000 😩 in January. Definitely a month to forget about.

    Despite the awful expenses Mr Ck and l have been talking about our anniversary holiday. Trying to decide between two smaller breaks 🤔 one early in the year one later or, blow the budget on one trip to New York, or the Carribean. The only downside is the fact we will have two holidays in quick succession and then nothing 🤷‍♀️

    Current Balance £20,600
    MFW 2026 #31 £2400 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,100 / £10,000


    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £30 / £365

    Declutter 0 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan, 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • beanielou
    beanielou Posts: 98,071 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Two smaller breaks.

    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Apologies in advance for my rant…

    When l posted earlier it was as a distraction. I was sat in the child development centre waiting room while young Ck had an assessment for autism. Like many parents we have been waiting for this appointment for +3 years. I haven't slept well the last few nights thinking about it. I don't know what l was expecting, but it wasn't to be left in the waiting room for an hour, then asked permission if needed to contact the school and told we'll receive a phone call in April!!!!! In her defence she was wonderful with my child, l just thought we would have been given some feedback.

    I feel so deflated l could cry, we l didn't tell young Ck about the appointment until this morning (there a worrier). I genuinely didn't mind the outcome of the assessment (it was always about them getting extra support from the school, which they do anyway but we didn't know that would be the case when we asked for a referral ) but on the journey over l asked Ck what they wanted to happen. I quote "l want them to say I'm autistic", Why? l replied "because otherwise I'm just weird" 💔

    On the journey home l was desperate to know what they asked, so l could piece together a conclusion, but of course l knew that it would be pointless. Instead I brought them a MacDonald's and seemed quite happy as l dropped them to school. l guess time will tell.

    To top it off l got in the car checked my emails to find one from the estate agent quoting yet more maintenance issues that will cost £100's 😠 l've been waiting to calm down before contacting them. Mr Ck picked up on my tone and called to reassure me that its not the end of the world. Just very, very bad timing.

    Current Balance £20,600
    MFW 2026 #31 £2400 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,100 / £10,000


    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £30 / £365

    Declutter 0 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan, 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • Current Balance £20,600
    MFW 2026 #31 £2400 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,100 / £10,000


    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £30 / £365

    Declutter 0 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan, 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • beanielou
    beanielou Posts: 98,071 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    That sounds hard going on the assessment and having to wait so long for the outcome. 🤗

    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Yeah😞 , I'm a bit annoyed with myself. I know a few friends whose children have been diagnosed but were told on the day so l naively thought the same would happen for us.

    But l guess each situation is different and their child was younger than ours at the time. Or perhaps I'm thinking its not a cut and dry a case if they want to contact the school? I don't know, speculating wont help the situation she says, speculating in her head.

    Current Balance £20,600
    MFW 2026 #31 £2400 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,100 / £10,000


    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £30 / £365

    Declutter 0 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan, 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • carboot_karaoke
    carboot_karaoke Posts: 569 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    edited 2 February at 3:45PM

    In other news, l emailed the estate agent and have asked them to take care of it and we will pay the bill. I don't have the energy for anything else.

    We do have a £2.5k rental contingency but any money spent will need to be replaced as priority. This has led me to limit our OP until we have a clearer picture of the costs.

    I did still pay £1400 off so we are down to £20,600 really hope we can be sub £20k by the end of the month.

    I also noticed that I was charged the normal haircut rate on Friday instead of the 10% discounted one l booked. Its only £9 but right now every penny counts. So l just emailed them.

    When l dropped off young Ck l confessed to the attendance officer about our impending holiday. She was actually really nice and said that although they cant authorise it. They do know what good attendance and punctuality they have.

    I have doubted my decision to book this holiday several times, particularly when unexpected bills keep arriving but l really cant wait.

    Current Balance £20,600
    MFW 2026 #31 £2400 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,100 / £10,000


    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £30 / £365

    Declutter 0 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan, 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


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