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Don't hit me with those negative waves Moriarity

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Comments

  • Rhyddid2026
    Rhyddid2026 Posts: 1,251 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 1 September 2025 at 11:30PM
    Oooo it's almost a year since your LBM!
    (Now I've typed that, isn't it also a medical acronym? 😲 BM definitely is)
    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 £272.11
  • rachmac3 said:
    Oooo it's almost a year since your LBM!
    (Now I've typed that, isn't it also a medical acronym? 😲 BM definitely is)
    Yes yes it is! I do quite a bit of thinking/overthinking whilst driving around and however low I sometimes feel, I have definitely feel more in charge of my debt. I have had a small payrise so planning to try and avoid lifestyle creep by putting the extra towards paying it down.

    🤣 LBM definitely means different things to different people - took me a few weeks of reading here before I realised here it meant light bulb moment and not loose bowel movement 🤣🤣

    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • Rhyddid2026
    Rhyddid2026 Posts: 1,251 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Yep, that's the LBM I was thinking of!!
    You're definitely more in charge of things. You're doing fab with it all. It's all about finding the right balance innit.
    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 £272.11
  • It's been a difficult few days as I've been trying to be mediator in an ongoing family disagreement and quite frankly ive been highly unsuccessful and as the messenger have certainly been "shot" a fair few times. 

    Anyway 2 NSD days in Sept so far although yesterday was just a disaster. Last essential for school (forgot a pe bag) and some new to me work shoes for 20 quid. Given the torrential rain today I was very glad of the shoes and they are a well known brand with yellow stitching so should last a good few years. Today's spending was petrol so essential really but in budget for the month.

    Today felt very Autumnal and I had a hankering for soup so made some homemade tonight for lunch tomorrow. Normally I make soup and it's underwhelming but fingers crossed is edible.

    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • Blackcats
    Blackcats Posts: 4,470 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Sorry about the family tension.  You can only do your best to mediate and sometimes that's not enough.  Believe me I know 🥴
  • I was pondering soup this week too, must be the change in weather, and thinking about how it's probably the one thing that is better bought than home made (by me). I've made the occasional fabulous soup (a vegan corn chowder springs to mind), but never consistently. I'm happy to pay for it.
    Family tensions suck. Dry shoes rule!
    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 £272.11
  • Just marking here that my current debt stands at £33,015.93.

    Things are rumbling on and this could be a significant week for me and DH but I need to know for myself reading back that I was turning things round, that I had changed and was doing this regardless of anything else going on.

    Lzzy cx

    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
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