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Teetering on the brink
Comments
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Yes I have done the 1 night travel insurance to get the reward it worksLightbulb moment - 17/08/2017 £17,033. Current CC debt £0.00 DFD 31/7/24 🥳. Member #8 of Fiver Friday Challenge £65/£2603
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Yes I have done this too and it works well year after yearMe, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £12502 -
Ok, so i gave the Travel Insurance a go and now have 2for1 cinema tickets! Yay! dd2 was super happy when I told her and the first thing she did was check out what’s showing this week. 😁 I did also try and get cash back on the travel insurance at the same time through Quidco but I think I must have clicked on the wrong deal as it didn’t track. No matter, I am still sure it will more than pay itself back over the next 12months.👍End of
Dec-24 Feb-25 Brother £ 5,400.00 £ 5,350.00 Overdraft owed £ 1,349.90 £ - MBNA CC £ 10,534.20 £11,455.85 Barclaycard CC £ 9,667.21 £ 7,981.04 Fluid CC £ - £ 762.50 NatWest CC £ 12,018.14 £11,634.21
Total debt
£ 38,969.45
£37,183.60
Total paid off 2025
£ 1,785.851 -
It may yet track, can take up to a week sometimes.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
Talking of cash back, I have claimed £16.40 from TopCashback and transferred the cash to pay off the overdraft so now totalling £107.87 for the month, aka 21/100 £5’s. It’s slowly creeping up! 🎉End of
Dec-24 Feb-25 Brother £ 5,400.00 £ 5,350.00 Overdraft owed £ 1,349.90 £ - MBNA CC £ 10,534.20 £11,455.85 Barclaycard CC £ 9,667.21 £ 7,981.04 Fluid CC £ - £ 762.50 NatWest CC £ 12,018.14 £11,634.21
Total debt
£ 38,969.45
£37,183.60
Total paid off 2025
£ 1,785.854 -
So glad you are feeling better today.
The £5 targets are such a good idea.
You're now a fifth of the way to a 100 and I think you will make it!
Also I am a big believer in treats however small so that cinema 2 for one sounds great.
Keep going and daily entries on the diary seems to be working.2 -
Happy Sunday @EatingBeans
So sorry to hear the TN has been giving you grief; but pleased it has eased up a bit for you today. Has your GP given any indication on how to treat it going forward? Do they have a plan of action?
You said that you are more susceptible in the cold weather, so I was wondering - would something like a heated scarf help at all? Not only for being outside - maybe it could offer some comfort during an attack, whilst indoors.
I have had many years of problems with my ears - I have had about 7 operations over the years. But during childhood - I used to suffer immeasurable pain. I still remember, the only thing that made it better was to lay with my ear on a hot water bottle. That & my mum's hugs & cuddles
Maybe the heated scarf could offer you some similar respite??
Oooh - great work on the Compare the Market deal 👍👍👍 - That will be such a welcome, budgeted, value-for-money treat for you and the DDs. You really are getting into the DFW way, what with the 2-4-1 offers and struggling for ways to use your F1rst D1rect card - It's like you have been a closet DFW for the last 20 years 🤣🤣
Ooooh and great work on the baby steps - you are doing brilliantly. I have high hopes of the interest bearing part of the OD being gone before February is out. Did you list the projector/screen?? How much does a 60s projector go for these days?? Did you get any bites on Vinted (at appropriate prices, of course 😉 )?? Have you been through any of the other unopened moving-boxes / boxes off Mum - any more money storing door-stops / any Harry Potter signed first editions🤞🤞??
Keep at it, you are doing absolutely brilliantly
Debt Free as of June 2023
£63,050.94 - repaid & forgotten3 -
Happy Sunday @DrunklMunkee 👋
I think I may have spoken a little too soon earlier as the TN is back again. At least I managed to get a shower and brush my teeth first though. 😁 Honestly, that feels like a big accomplishment when it’s playing up! There is no cure for TN, it just gets worse over time. The answer is to keep upping the tablets I am on until the side effects become intolerable or it starts damaging your liver etc. There are a few other medications that people try, (most I have already been on and not tolerated) and the final thing they can try is surgery but they are generally very reluctant to do that unless they have to, both because it doesn’t always work, but also because there are some significant risks associated with it. So on I plod. I had another MRI just a few months back to check that there wasn’t something else going on, but nope, it’s ‘just’ TN, so nothing to do other than up the tablets and pray spring comes soon! 🙏
Funny you should say about the heated scarf though. I do wrap my head up well if I am going out when it is cold, but that can be a blessing and a curse as sometimes just having something touching my skin can set it off too. When I am at home and already having attacks I do use heat packs on it and sometimes it helps, although mostly I just think that is because it gives me something to focus on. A bit like doing the breathing exercises when you’re in labour having kids. It’s all good fun. For the most part i’ve become quite good at coping with it, it’s just every now and again I have days like yesterday and it goes over threshold, all my techniques for talking myself through it go out the window, and I ever-so slightly fall apart. Thankfully, whilst the attacks are back, I’m also back to coping with it so all’s good. 👍Apologies all, I fear the past few days my diary has turned into a bit of a day-in-the-life of living with Trigeminal Neuralgia, back on topic now…
Actual balance of overdraft account is now just £252.88 (so that is what I am currently paying interest on) and overdraft owed is now down to £999.89! Finally under the £1k mark. 🎉 Still lots to do obviously, but it is definitely going in the right direction.I did indeed open the next random box in the living room. This time filled with low value jewellery. I’ve listed a handful of pieces today but mostly I have just sorted through a lot of it. Some bits I have just binned, a couple of nicer pieces have gone to the girls, and a lot of the rest have been photographed ready to be listed. I also experimented with hanging clothes up and photographing them in my newly identified well lit area. It is much better. I just have to remember not to step back to take the photograph and put my foot in the dog’s water bowl! You’d think I would just move it after the first wet foot but oh no, that would have been far too sensible! 🤦♀️ Still, now I have no excuse not to list the mountain of clothes I have packed in storage bags around the house.Also, since I have noticed a theme in what I have been doing, i.e., taking photographs rather than listing, (or in the case of the projector, taking a look, going ‘oh wow’, and then just boxing it all back up 🤦♀️), I have decided to set myself another challenge to keep myself accountable. From this day forward I am going to set myself a target to list at least 5 things a day. It doesn’t matter how big or small, and it doesn’t matter if it is on Vinted or Ebay, I just have to list at least five new things EVERY day. How hard can that be?! 😬End ofDec-24 Feb-25 Brother £ 5,400.00 £ 5,350.00 Overdraft owed £ 1,349.90 £ - MBNA CC £ 10,534.20 £11,455.85 Barclaycard CC £ 9,667.21 £ 7,981.04 Fluid CC £ - £ 762.50 NatWest CC £ 12,018.14 £11,634.21
Total debt
£ 38,969.45
£37,183.60
Total paid off 2025
£ 1,785.854 -
Well done on your progress so far. Do you use Facebook? Selling sites on there local to you may be useful too.Lightbulb moment - 17/08/2017 £17,033. Current CC debt £0.00 DFD 31/7/24 🥳. Member #8 of Fiver Friday Challenge £65/£2601
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Thanks @BadBookkeeper I do use Facebook but the local sites aren’t… how can I put this… ‘aren’t very friendly’. Let’s just say that when I do sell my house I won’t be buying another one anywhere near here, and I avoid collection in person if at all possible. It has its upside though. If I ever want to get rid of anything, I just leave it in the front garden for 10 minutes and it’s gone! 🤣End of
Dec-24 Feb-25 Brother £ 5,400.00 £ 5,350.00 Overdraft owed £ 1,349.90 £ - MBNA CC £ 10,534.20 £11,455.85 Barclaycard CC £ 9,667.21 £ 7,981.04 Fluid CC £ - £ 762.50 NatWest CC £ 12,018.14 £11,634.21
Total debt
£ 38,969.45
£37,183.60
Total paid off 2025
£ 1,785.853
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