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Next steps; grip-relaxing bimbling, and avoiding the temptations

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Comments

  • Your wreath is gorgeous 
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • joedenise
    joedenise Posts: 18,887
    Part of the Furniture 10,000 Posts Name Dropper
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    If your CC direct debit is due at a weekend it will never go out early it will always be on the Monday.  They're not allowed to ask for it early only on or after the due date.  If they ever ask (in error) early and you go overdrawn you'd be quite entitled to get them to pay your charges if you get any.
  • Suffolk_lass
    Suffolk_lass Posts: 11,452
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    Thank you @joedenise. It isn't a regular issue here, and I wasn't sure if things had changed
    Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
    My keep within our budget diary is here
  • Suffolk_lass
    Suffolk_lass Posts: 11,452
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    Finished! (The day's main distraction from what we should be doing!) We have finished the GCHQ Christmas Quiz in under 6 hours. It must be easy. We're not that clever
    Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
    My keep within our budget diary is here
  • foxgloves
    foxgloves Posts: 13,837
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    Love the wreath! Haven't made mine yet & have also promised one to my sister on Sunday, so I must get my secateurs out this week! Good to hear that nothing suspicious was found by the optician. I used to get shimmers in my vision when I was very stressed, like a visual migraine without the headache. It is surprising how many physical symptoms can be triggered by stress.
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • Do you have balance alerts set up on that account SL? My main (Lloyds) credit card is never consistent with the date it gets taken so I have text alerts on for the (Lloyds) current account the DD payment comes from, it saves me putting the money over unnecessarily early or having to check the balance daily. If the money isn't in there I get the text first thing in the morning and have till 2pm to shuffle it across.
    Also have the same set up on First Direct which is my only automated regular saver payment for the same reason
    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
  • Suffolk_lass
    Suffolk_lass Posts: 11,452
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    I don't, but there are three reasons why not. Thing one, I don't use my phone, only my desktop for that account. Thing 2 I check the account every morning, and Thing 3, Mr Sl gets the alerts, and tells me!
    Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
    My keep within our budget diary is here
  • rtandon27
    rtandon27 Posts: 7,251
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    Haha 😄 - I love a bit of three thing reasoning.
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    Original End Date - Sept 2041 *** New projection - Jun 2040 (reduced by 1 years & 3 month)
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