Don't hit me with those negative waves Moriarity

LzzyIsGod

Much better day today.

Paid off some essential bills, got some much needed fresh air and exercise, low spend day with just parking and 2 icecreams and significantly reduced my doom scrolling and screen time (which I think massively helped). The highlight was youngest yoof attempting to teach me a new skill (he's a very patient teacher!!)

 Tomorrow there will be car maintenance to pay (never ending!!!) as it's new water pump day but mechanic friend has promised to check over the car as the mot looms. Must check the EF fund just in case!!

LzzyIsGod

Like football today was a day of 2 halves 😂

I've pottered round the garden and felt very productive recycling and upcycling stuff. Wasn't quite a NSD as I found some new with tags  shorts for the eldest yoof (half the price than from the shop) on Vinted so snapped those up.

Big T has delivered and I took the chance to reorganise the pantry and the fridge ....... freezer might be a job for tomorrow but I feel a bit more aware again of what we have and don't have and I like clean and organised spaces!

Car wise - unfortunately the new pump wasn't the right one so had to reorder that. Had a check over the car pre MOT which is in a few weeks and decided to replace one of the tyres as it's on the cusp so that was slightly unexpected BUT never fear! the EF is there to cover that! Previously that would have gone on a CC.

 I did work out that I have had to spend a fair bit on the car this year and it's where a good chunk of the extra money I've earnt has gone tbh. Whilst it's a bit galling atleast I've covered it with actual cash (so far!! Lets not tempt fate!!!) and not credit and still ive managed to save a decent chunk in the EF and pay monthly payments to the existing cards.

So maybe on balance I'm doing better than I think I am?? I'm running with a YES because mentally I've felt a smidge more like myself today and that can't be a bad thing.

Rhyddid2026

You are definitely doing better than you think you are!

Rhyddid2026

Aarrgghh! Where are you? I've got ignition (remix) stuck in my head and I was relying on you to put a different song in before bed! 
Help?!?
(I hope you're off doing something lovely really)

LzzyIsGod

Ah sorry!!! It's been a good weekend, mixture of fun and helping with a local charity event and running yoofs around to various activities!

Yesterday was the 1st June and a NSD (we like those!) I had another LBM yesterday as I thought about why my ccs aren't going down as quick as I would like/anticipated despite the overtime and budgeting like crazy. And then I realised all the things I have managed to save and pay for since I started this diary WITHOUT using credit - £750 on the car, £800 on school trips, £1k towards holiday, EF at £1.7k and it's not an unconsiderable sum!!

June will require some careful budgeting ....... car has its MOT (ugh I feel sick already) and I think from googling my car tax may have increased. But there's a a good few gigs coming up which will be good as no overtime will be paid in August so I'm already planning that budget ahead.

My credit score has also now recovered to where it was (I know we know it's a pointless score really but it's a helpful marker sometimes) so maybe, just maybe I'm.doing better than I think.

Sarahwithlove

My car is due its MOT and service in July and I like you am dreading it. Last year it passed with no advisories so I just know I'm due some bad luck! Good luck hopefully it goes ok 

LzzyIsGod

Goodbye Messy May and hello Flaming June.

 Not much movement on the months figures due to transfer fees and shifting round and despite the "this deal is ending on 31/05" pressure, new 0% deals have popped up so next time I shall hold my nerve more.

Loan 15397.39 / 17144
CC2      814.14  / 7911        500 BT on
CC3    7168.70 / 9665  8200 BT off 6355 BT on
CC4    3818.67 / 4312      
Cc1     8547.00 /  zero     8200 BT on
OD            zero /  1750           

Total    20,258.51 + 15 397.39 =
             35,655.9 vs 39 563

LzzyIsGod

I don't like Mondays - Boomtown Rats

Twas back to the grind today for me which is a shame as I was only just starting to relax at the weekend and suddenly my time off had disappeared. Next time I'm off will be our main holiday which seems ages away but will soon race round. In fact I don't know where this year is flying to!

I'm now on month 7 of my debt busting mission out of my 4 year/48 month target and I need to let things settle after the CC Shuffle and start chipping away at those cards if I am going to make it before the next big birthday. I'm holding on to every penny currently due to the impending MOT so a NSD day for me.

 Tomorrow I will need fuel out the petrol pot and will resist the sweets at the tills!! June itself looks a full on hectic month so my main aim is to survive it without having a nervous breakdown. However if everyone gets to all appointment/activities on the right day at the right time it'll be a miracle 🤣

Rhyddid2026

Yey! The songs are back! 
It's too late for my brain to do maths, does that mean you've paid 4k off? 😯

LzzyIsGod

rachmac3 said:

Yey! The songs are back! 
It's too late for my brain to do maths, does that mean you've paid 4k off? 😯

Yes! 4k off but overall the same as last month really. But £1710 saved in the EF and it's been am expensive year car wise/yoof wise.

I did fall down a rabbit hole last night - the APR on my loan is quite high at 12.3% and maybe I can get an alternative for the same amount and same time but lower APR and release more monthly money to bash towards the CCs. I know consolidating is not a good idea but this wouldn't really be that would it? More negotiation of terms ......