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Don't hit me with those negative waves Moriarity
Comments
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I agree with @Rhyddid2026 - absolutely no Mariah please.Remember that each mortgage payment and any overpayment is progress. You owe less than you did in November. You definitely owe less than you did Last Christmas3
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Bwhahahaha @Blackcats that did make me chuckle - especially welcome after a really tough week with family stuff. Oh and the blooming car is playing up again after being fine for months Joy to the World!!
Despite all this and despite the utter carnage that life apparently wishes to throw at me at the moment, I continue to cash flow everything. We've needed (for various complicated reasons) a few takeaways in the last fortnight- partly because I've had to be dealing with family stuff and partly because I have been disorganised and distracted. But still the credit cards remain untouched althiugh we've had to dip into the Slush Fund pot (not the main savings).
The car is a significant and unwelcome Worry and Concern. I have £8k earmarked in the car pot and saved which is good but I worry might not be enough for a New to Me one. And I really really really don't want to borrow money in any way to get something newer. I think before Catastrophizing I need to get someone knowledgeable to look at it before rushing into any decisions.
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
Up early this morning and after a brief check of the bank balances (and ignore of the early Dec Pay Packet - I am Not Touching It) a quick early Internet search of used cars does indeed reveal I am significantly short of money in terms of a car I can keep for many years.
Good job then I'm working again this weekend. (What a surprise I hear you all say) 😂😑 From April 26 it looks like the roster will allocate 1 weekend in 5 due to reduced staffing which is a double edged sword as I suspect it will push me into a higher tax bracket. The Lord giveth and the Lord taketh away. Mind you that's probably the average I've done in the last year so i may already be there. Still we fight on.
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes4 -
Happy Christmas Lzzy, have a cracking day and fabulous 2026!Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.991 -
And you too @Rhyddid2026!
Today has shown me that genuinely it's not the money you spend but the time you spend with the people you love.
Merry Christmas MSE diary land xx
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes1 -
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Hope you’ve had a wonderful day xI get knocked down but I get up again (Chumbawamba, Tubthumping)0
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