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Don't hit me with those negative waves Moriarity
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It absolutely is with an older car 😅FootyFanDan said:Getting through MOT day unscathed is always a result 🙂.
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes1 -
I'm a bit late to the passing the MOT party - it's excellent news and always a relief.Shoe shopping is a pain so I wish you luck with it.1
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Great news about the car!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Glad your car passed its MOT. Mine did too and even though it's a newer car and this was its first MOT I felt nervous. The MOT person thought that was amusing but years of older cars, no money to fix them or buy a new car clearly leave scars.2
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Ooo am I back? I've had terrible trouble with the site not letting me post!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
Well that was a strange week! I could read the forum but not post 🤣 did wonder if I had been banished never to get debt free and I missed my nightly check ins quite a bit.
I have managed to stay in budget and not dip into the EF - pay day is 2 days away! I will need to pay the car tax, new water pump and sort the insurance but hopefully won't break the bank. Holiday fund is now at my target amount so next step is Banish The CCs as I am not making the progress I both want and need to.
Missed you all!!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes5 -
How Strange! Well its great to see you back posting againLzzyIsGod said:Well that was a strange week! I could read the forum but not post 🤣 did wonder if I had been banished never to get debt free and I missed my nightly check ins quite a bit.
I have managed to stay in budget and not dip into the EF - pay day is 2 days away! I will need to pay the car tax, new water pump and sort the insurance but hopefully won't break the bank. Holiday fund is now at my target amount so next step is Banish The CCs as I am not making the progress I both want and need to.
Missed you all!!
Well done for not dipping into the EF. My payday is Monday, this paying back debt stuff really makes the months drag! I find i am constantly counting down the days each month lol.
Looking forward to seeing you making some good progress on them CC`s.
M.A.G.2 -
Yey! Welcome back! There must have been problems with the site, I think a few of us had issues.
Did you see the MSE weekly email last week? It mentions getting new loans to pay off old loans that might have been at a higher APR.Debts 04/01/25 04/05/26
Natwest2 £6,509.97 £3,775
NatWest CC £7,612.74 £6,125
Lloyds CC £6,112.60 £3,897.12
1st Direct CC £176.03 £35.71
CC total £20,411.34 £13,832.83
OD £1100 £0
Car loan £4,000 £3,400
1st Direct Loan £10,684.44 £6,745
Total £36,195.78 £23,977.83
EF £1,800
HF £272.113 -
I have been able to post but on my pc but not on my mobile or i-pad it has been verifying my browser before I could sign in. However, it didn't happen this morning. 1
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Good news about the MOT*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
Tesco Credit Card - £3652.32 £3270.54
*Total Debt - £10370.54/£15293.48*
Savings
*Sinking Fund - £2064.85/£3000
*Emergency Fund - £2500/£2500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1
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