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Don't hit me with those negative waves Moriarity

14344464849

Comments

  • rachmac3
    rachmac3 Posts: 492 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    edited 1 September 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        01/09/25   

    Tesco CC          £6,509.97       £5,930 (now NatWest2)
    NatWest CC      £7,612.74      £6,905
    Lloyds CC          £6,112.60      £4,943.12
    1st Direct CC     £176.03         £6.68
    CC total             £20,411.34   £17,784.80
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,005
    Total                  £36,195.78   £30,789.80
    EF £500
  • LzzyIsGod
    LzzyIsGod Posts: 480 Forumite
    100 Posts Photogenic Name Dropper
    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 🤣🤣
    LBM Oct 24 
    Start Nov/Dec 24  £39 564

    July 25  £34 531
    Aug 25  £33 866.83
    Sept 25 £33 005.93
    After Windfall Sept owed £18650.90

    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • rachmac3
    rachmac3 Posts: 492 Forumite
    Part of the Furniture 100 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        01/09/25   

    Tesco CC          £6,509.97       £5,930 (now NatWest2)
    NatWest CC      £7,612.74      £6,905
    Lloyds CC          £6,112.60      £4,943.12
    1st Direct CC     £176.03         £6.68
    CC total             £20,411.34   £17,784.80
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,005
    Total                  £36,195.78   £30,789.80
    EF £500
  • LzzyIsGod
    LzzyIsGod Posts: 480 Forumite
    100 Posts Photogenic Name Dropper
    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.
    LBM Oct 24 
    Start Nov/Dec 24  £39 564

    July 25  £34 531
    Aug 25  £33 866.83
    Sept 25 £33 005.93
    After Windfall Sept owed £18650.90

    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • Blackcats
    Blackcats Posts: 3,956 Forumite
    Sixth 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 🥴
  • rachmac3
    rachmac3 Posts: 492 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    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        01/09/25   

    Tesco CC          £6,509.97       £5,930 (now NatWest2)
    NatWest CC      £7,612.74      £6,905
    Lloyds CC          £6,112.60      £4,943.12
    1st Direct CC     £176.03         £6.68
    CC total             £20,411.34   £17,784.80
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,005
    Total                  £36,195.78   £30,789.80
    EF £500
  • LzzyIsGod
    LzzyIsGod Posts: 480 Forumite
    100 Posts Photogenic Name Dropper
    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
    LBM Oct 24 
    Start Nov/Dec 24  £39 564

    July 25  £34 531
    Aug 25  £33 866.83
    Sept 25 £33 005.93
    After Windfall Sept owed £18650.90

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