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Teetering on the brink

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  • ellenvan
    ellenvan Posts: 229 Forumite
    Third Anniversary 100 Posts Photogenic
    Put the £5 x 2 this way = £120 per year - Sounds better. Now thats 24 x £5.
  • EatingBeans
    EatingBeans Posts: 351 Forumite
    100 Posts Photogenic Name Dropper
    Oh and I forgot to say…
    List 5 things a day ✅ 😁
    End of
    Dec-24 May-25
    Brother  £  5,400.00  £  5,200.00
    Overdraft owed  £  1,349.90  £            -  
    MBNA CC  £ 10,534.20  £ 12,056.18
    Barclaycard CC  £  9,667.21  £  8,138.15
    Fluid CC  £            -    £     732.50
    NatWest CC  £ 12,018.14  £ 11,774.23
    Total debt  £ 38,969.45  £ 37,901.06

    Paid off in the month

    -£     914.90
    Total paid off 2025  £  1,068.39

  • EatingBeans
    EatingBeans Posts: 351 Forumite
    100 Posts Photogenic Name Dropper
    Today was going so well but then I got really tired and hungry and had no energy to cook. And crucially, I had no batch cooked, defrost and throw in the microwave meals, prepared in the freezer. Then dd2 also got tired and hungry and gave me the 🥺. I tried to suggest pasta but I didn’t have the energy for the fight and soon caved.

    After a suitably long lecture from dd1, I reinstalled Just Eat and ordered a McDs. 😞 But! I did at least remember to use my First Direct card and I found a £10 off voucher so total cost was £9.21, delivered. It definitely could have been worse. 

    Only problem is now they know I might actually cave, so in future it will be even harder to say no. That’s future me’s problem. I am going to blame it on the exhaustion of going back to work. Normal service will resume tomorrow. 🤞 🙏 
    End of
    Dec-24 May-25
    Brother  £  5,400.00  £  5,200.00
    Overdraft owed  £  1,349.90  £            -  
    MBNA CC  £ 10,534.20  £ 12,056.18
    Barclaycard CC  £  9,667.21  £  8,138.15
    Fluid CC  £            -    £     732.50
    NatWest CC  £ 12,018.14  £ 11,774.23
    Total debt  £ 38,969.45  £ 37,901.06

    Paid off in the month

    -£     914.90
    Total paid off 2025  £  1,068.39

  • Gorgeous pups
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • EatingBeans
    EatingBeans Posts: 351 Forumite
    100 Posts Photogenic Name Dropper
    Omg the college is having a laugh with this DofE stuff. dd2 had to take her stuff in for a kit check and apparently some of her stuff “isn’t good enough”. Apparently she needs a new sleeping bag - the one she took is a few years old but cost close to £100 new and I have used it plenty of times, I know it is good enough. And she needs a new fleece. Apparently her 3in1 fleece/waterproof combo (definitely wind/waterproof) isn’t sufficient. The girl is taking plenty of good layers to go underneath and when you are walking, layers are much better than one thick coat. Utterly crazy. I thought insisting on gaiters was bad enough but asking me to replace perfectly good stuff is insane. 
    End of
    Dec-24 May-25
    Brother  £  5,400.00  £  5,200.00
    Overdraft owed  £  1,349.90  £            -  
    MBNA CC  £ 10,534.20  £ 12,056.18
    Barclaycard CC  £  9,667.21  £  8,138.15
    Fluid CC  £            -    £     732.50
    NatWest CC  £ 12,018.14  £ 11,774.23
    Total debt  £ 38,969.45  £ 37,901.06

    Paid off in the month

    -£     914.90
    Total paid off 2025  £  1,068.39

  • ellen_vannin
    ellen_vannin Posts: 424 Forumite
    Ninth Anniversary 100 Posts
    I'd challenge that.
    Failing them backing down, claim they are discriminating, against people without the ability to buy all new 
    Can they share/ borrow kit from anywhere?
  • themadvix
    themadvix Posts: 8,734 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I agree, definitely push back against that and ask where she can borrow it from, if all else fails.

    As the owner of a cat with plastic-eating tendencies, I totally understand the difficulties of naughty-pet ownership!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • shirleytch
    shirleytch Posts: 237 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Hi Beans -  hope you are doing okay. I don’t know if you’ve seen but there is a promotion on TopCashback today. If you activate it you get a £2 credit against a purchase so just buy a £5 gift card for the supermarket and you will get £2 back plus the regular cashback.

    Not to be sniffed at. Your girls can get accounts as well I’m sure my husband and I both have
  • EatingBeans
    EatingBeans Posts: 351 Forumite
    100 Posts Photogenic Name Dropper
    edited 14 February at 4:15PM
    Turns out the fleece isn’t sufficient as it zips all the way down! Seriously?! And the sleeping bag doesn’t pack small enough! Honestly, it still has its own stuff bag and is pretty darn light imo. They even took issue with her gloves as they weren’t waterproof enough! My only consolation is I hadn’t actually been out and bought any of the things he turned away. Apparently kids were turning up with brand new stuff and his answer was “well I hope you kept the reciept because it’s not good enough!”. 😱 Poor kids. How to kill their excitement. Whenever anyone asked why, apparently the only answer he would give was that some really bad stuff happened to the group last year so they have to be really strict this year. Apparently, if they get so much as potential blister from touching something that is too hot or something, then they will be taking them to hospital. At this point I am beginning to wonder how safe this whole thing is because what on earth happened last year to make them so ridiculously paranoid? 

    dd2 came home frazzled, ate pizza (which I bought en route with a Tesco gift card to claim the cash back), had a hug and and went to bed. 😕 

    End of
    Dec-24 May-25
    Brother  £  5,400.00  £  5,200.00
    Overdraft owed  £  1,349.90  £            -  
    MBNA CC  £ 10,534.20  £ 12,056.18
    Barclaycard CC  £  9,667.21  £  8,138.15
    Fluid CC  £            -    £     732.50
    NatWest CC  £ 12,018.14  £ 11,774.23
    Total debt  £ 38,969.45  £ 37,901.06

    Paid off in the month

    -£     914.90
    Total paid off 2025  £  1,068.39

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