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Don't hit me with those negative waves Moriarity
Comments
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That's practically 32k! X
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 £17,784.80TSB 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 £5002 -
It's so close!!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 Heroes2 -
Great debt busting and even better mindset shift! Your changes will be sustainable whatever happens this week.
i saw the Strawbs a few years ago - their penultimate performance ever. Really great fun. Part of the Union and Lay Down were fabulous. Great guitaring.1 -
I feel a total mix of elation, excitement but also fear, failure and a little bit cheated whilst also being utterly terrified. Feels like I've totally sold out.Blackcats said:Great debt busting and even better mindset shift! Your changes will be sustainable whatever happens this week.
i saw the Strawbs a few years ago - their penultimate performance ever. Really great fun. Part of the Union and Lay Down were fabulous. Great guitaring.
Prog Rock really isn't my thing but I love the Strawbs! Sometimes I wish I could have seen all these random bands live!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 Heroes2 -
Whenever my anxiety hits I feel the need to be active, I find when I need to think I go into a cleaning frenzy. Today I'm already cleaning due to a mixture of both - partly terrifed of Doing The Wrong thing or Not Smart thing or Dumb Lzzy Thing 😂
Things I'm definitely going to force myself to do today is get a loan closure quote. Will update when the anxiety settlesLBM 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 Heroes5 -
Anxiety is horrible, I hope it settles soon x"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 McGee1
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Thanks @jwil I never used to suffer but in the last few years it has popped up like a rather unwelcome visitor.
However Action Defeats Anxiety and it's been All Action here the last few days Tonight DH and I have sat down together and had a really good budget and standing order reshuffle, bank account rearranging and Goal Planning in light of recent postive money events. I am terribly scared and worried that we may slip back into old habits and one of the things we agreed is keeping to a tight and carefully monitored budget. I think I'd also like to keep this diary going too as I need to be accountable to myself as much as possible.
Things I have done also include clearing that £200 0% balance that was ending, requesting a loan closure quote and updating my signature 😆
Hasn't quite been a no spend day as youngest yoof has decided that long sleeved shirts are too hot for school and needed some more short sleeved ones - luckily the long sleeved ones had been an As New hand me down so hadnt cost anything and the clothing pot covered the new shirts. It seems excessive but it just takes the stress out of the working week if I know the kids have a shirt allocated for each day.
Hope everyone is well xxLBM 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 Heroes2 -
You really left that 5.93 though? Couldn't find that down the sides of the sofa? In some old pockets? On pavements around your area?
Well done all your recent actions, especially channelling the anxiety into something productive!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 £17,784.80TSB 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 £5002 -
Haha I did think that as I typed it out 🤣 I will hopefully fix that today as I want to clear my 13% interest paying loan.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 Heroes3
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