Don't hit me with those negative waves Moriarity

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  • LzzyIsGod
    LzzyIsGod Posts: 237 Forumite
    100 Posts Photogenic Name Dropper
    Oh definitely worse @rachmac3 😂😂  ive woken up.singing it in my head hahaha

    Everyone else is asleep so thought I'd do my daily bank accounts checks with a nice cupla before i get up for work - this is still a daily habit and mostly I find it quite soothing. I used to get.so anxious checking it but I don't get that knot in the stomach feeling anymore
  • Debtfree2026
    Debtfree2026 Posts: 70 Forumite
    10 Posts Name Dropper
    LzzyIsGod said:
    Oh definitely worse @rachmac3 😂😂  ive woken up.singing it in my head hahaha

    Everyone else is asleep so thought I'd do my daily bank accounts checks with a nice cupla before i get up for work - this is still a daily habit and mostly I find it quite soothing. I used to get.so anxious checking it but I don't get that knot in the stomach feeling anymore
    Yes same! It's just such a good feeling to be in control of it isn't it!  It seems daft really but this time last year I couldn't tell you if we had £500 or -£150 in our bank account from one day to the next! My husband said it must be quite exhausting to check online everyday and tally up the direct debits etc but like I told him, it's actually incredibly freeing and sets me up for the day nicely! 
    Nationwide CC: £1,309.48/£1,209.48/£447.96/£0
    Littlewoods: £808.91/573.66/£472.66/£0

    MBNA: £10,413.25/£10,425.28/£9,749.12/£9,830.00
    HSBC Loan: £15,156.57/£14,697.28/£14,237.99/£13,778.70/£13,319.41

    Total: £27,688.21/£26,893.67/£25,583.89/£24,663.27/£23,527.82/£23,149.41
  • Sun_Addict
    Sun_Addict Posts: 23,461 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m embarrassed to admit I only recently realised the song was about chocolate. Always thought they were singing chipolata 🤣🤣 This is despite doing a bizarre routine to the song at Body Attack classes several years ago and then Club Fit classes more recently when the penny finally dropped 🤦‍♀️🤣
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • LzzyIsGod
    LzzyIsGod Posts: 237 Forumite
    100 Posts Photogenic Name Dropper
    I’m embarrassed to admit I only recently realised the song was about chocolate. Always thought they were singing chipolata 🤣🤣 This is despite doing a bizarre routine to the song at Body Attack classes several years ago and then Club Fit classes more recently when the penny finally dropped 🤦‍♀️🤣
    That's made me laugh out loud! I am renowned for getting words wrong and making them up but that is brilliant!!

    Tricky song choice today - being at work and driving round (doing my thing) the radio was full of the news of the passing of the Pope which obviously (and appropriately) was quite sombre. Then tonight I went to a local acoustic music night which was very moving but also incredibly uplifting which I really needed.

     The music night was excellent and quite electic which as you've probably guessed suits me down to the ground. The acts are always a surprise and not announced in advance so it makes it quite interesting and you see acts you might have not actively thought about seeing. It's also really cheap (a fiver!) which at this stage in the month is VERY WELCOME.

    On the money front the additional 100 quid l have stuck in the pot marked Overpayments may need to be redirected to "car fund" as another sensor on the fan is playing up 🙄😒 There goes this months over time money.

    Roll on payday on Friday although I suspect my car may want every last penny
  • Blackcats
    Blackcats Posts: 3,639 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    You are doing so well!
    your Shed Seven song choice made me smile.  Our garden shed has a number 7 on it and most of our visitors to the garden ask us why.  I'd have thought it was fairly obvious 😀
  • LzzyIsGod
    LzzyIsGod Posts: 237 Forumite
    100 Posts Photogenic Name Dropper
    Thanks @Blackcats I do love a bit of Shed seven! 

    Tonight is a curved ball music wise with 
    Libera Me, Domine from Faure's Requiem.

    I did warn you I have a very eclectic taste and if you like your classical music dark and broody then it doesnt come better than this belter.  Reminds me of being a young music student and singing the whole thing with awful pronunciation - happy carefree days!! 

    I believe it translates as  Deliver or Free Me, Lord and having read a good few diary entries today I think we all need Delivering from the eternity of April and bring on pay day. Seems a little wrong to be willing my life away but I am determined not to spend anymore than I have (other than petrol tomorrow) til Friday.

    today was a NSD and also side hustle day so finished the day 20 quid up which I have squirreled away into a newly named emergency car fund.  (When I type car on here it immediately autocorrects to Cat which does amuse me far too much.) In addition to my usual £250 EF monthly contribution I seemed to have also managed to save an extra £330 from side hustles/over time etc - 100 of this has gone to holiday fund and the rest to Car EF - shame as it would have been nice to pay it as an overpayment on the ccs!

    I caved today and transfered that pesky 380 quid balance from cc4 to 0% on CC1 -  mainly because my PADing I had done this month on it was completely wiped out by interest. I'm still.undecided about the Great Balance Shuffle - my credit score has gone up 10 points (highest it's been since Nov 24) so I may ride it out and stick to the original plan rather than jumping early. I have til mid May to decide so still time to change my mind a million times.

    We plod on!


  • rachmac3
    rachmac3 Posts: 142 Forumite
    Tenth Anniversary 100 Posts Photogenic Name Dropper
    plod plod plod :)

    Debts                 04/01/25        01/04/25   

    Tesco CC          £6,509.97       £6,230.00   
    NatWest CC      £7,612.74      £7,380.00
    Lloyds CC          £6,112.60      £5,645.00
    1st Direct CC     £176.03         £0.00 
    CC total             £20,411.34   £19,255.00
    TSB OD             £500             £200
    1st Direct OD     £600             £250
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £10,068.03
    Total                  £36,195.78   £33,773.03
  • LzzyIsGod
    LzzyIsGod Posts: 237 Forumite
    100 Posts Photogenic Name Dropper
    rachmac3 said:
    plod plod plod :)
    I just keep thinking it's the plodding that will get us through! Steadily plodding and chipping away at the mountain xx
  • LzzyIsGod
    LzzyIsGod Posts: 237 Forumite
    100 Posts Photogenic Name Dropper
    The Waiting   Tom Petty and the Heartbreakers

    As Tom says .... the waiting (for pay day) is the hardest part.

    Nearly there though! A personal NSD although I did require petrol (essential) and I had to order some stuff for side hustle 3 (20 quid) which I will be claiming back - can't be bank rolling them!

    Not much else to report really - I've been trying to be a bit healthier, eating sensibly, cut down on caffeine, drinking lots of water and making sure I exercise and I do feel better for it. It's the last week of the gym 😭 so I'm making the most of it. I will have to make sure I get out running and carry on with my home weights though for my physical and mental well-being 
  • LzzyIsGod
    LzzyIsGod Posts: 237 Forumite
    100 Posts Photogenic Name Dropper
    Jump Around   House of Pain


    Chosen as I did a little trumpet fan fare like the intro of the song this morning on seeing that I had been paid and have jumped around ever since 😂😂

    Surprisingly I have NOT felt the urge to rush out and spend it all although I did order some personal things I need for the next month (found on line for a fraction of the price I usually spend). 

    Need to do a round up of last month's figures but bring on May, warmer weather, lighter nights and hopefully a good paying off stuff month!
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