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Teetering on the brink

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  • EatingBeans
    EatingBeans Posts: 351 Forumite
    100 Posts Photogenic Name Dropper
    Ah-ha! Finally received an update on the Biology assessment this lunchtime. Paper has now been marked, result was a B (not bad considering dd1 hasn’t seen the inside of a Biology class in almost a year!). Head of department has said he approves of the transfer even though it is very exceptional to be transferring at this point in the year, and now he just has to present the case to the Head of the college for approval. Lord knows how long that will take. 🤷‍♀️
    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

  • Cherryfudge
    Cherryfudge Posts: 13,186 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm glad it's at least moving! Could she ask for some of the work that's already been covered, so she can be catching up?
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • I use a list when I shop and I also use the mobile calculator, when I've added it, I cross it off the list and not the other way round. This has really helped me to focus and sometimes I find myself removing items. I also decide on certain ingredients say for example for a soup but when I get to the supermarket I sometimes substitute my vegetables for cheaper options and most importantly the soup still tastes delicious..
  • Humdinger1
    Humdinger1 Posts: 2,292 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Happy birthday on your 'official' day! You're doing brilliantly love Humdinger xx 
  • Cherryfudge
    Cherryfudge Posts: 13,186 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    We used to have guineas too, and they are wonderful company. Ours used to tell me when I was near the back door, opening the fridge or chopping veg - in case I hadn't noticed, I assume. They had a mixture of indoor and outdoor living but clearly are very sociable animals.

    The puppies sound a lot of fun too. :) Well done for teaching them to wait. I don't know a lot about dogs but seeing a dog wait to be allowed to zoom has that feeling of an attentive owner who has put the time in, and of course it helps towards safety.

    I used to be a regular T*sco shopper but hadn't been for a while and was shocked at the price increases when I went back recently. There are probably gems to be found but I've not yet been in again to look.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • EatingBeans
    EatingBeans Posts: 351 Forumite
    100 Posts Photogenic Name Dropper
    Well. I ‘woke’ up this morning on my now ‘official’ birthday and… no balloons! Er, guys, did I have the wrong day? To be honest I already knew there was nothing there because I had been up and down all night with a dodgy tummy, but I was surprised they hadn’t made any effort. Not because I mind, but because I know THEY love doing it. So I sang happy birthday to myself, swiftly followed by dd1 appearing to say she didn’t get back until gone midnight as she didn’t want the dogs to wake me up while they were putting up balloons so they have plans to send me back to bed later so they can do it! 🤣 Not entirely sure when that will be as dd2 has already left for college and dd1 has gone to get her nails done, then she has a mock test at college. It’s all a bit weird this year! Ah well. I genuinely don’t mind. I mean I’d never tell them this but I already feel like my birthday has been and gone since so many people have wished me happy birthday (thanks again!), and I went out to the cinema with dd2 yesterday (using the meerkat movies deal 👍)! I guess I’m just not used to the idea of celebrating on a different day. 🤷‍♀️

    Anyway, while I wait this morning, I’ve decided I am going to spend my time playing with my budget spreadsheet again. It’s taken me a few days to realise that the formulas I built years ago to calculate my automatically updating forecast for the month (based on the original budget on each account and spending as I go), just cannot handle me making lots of small payments to my credit card. It’s set up to accept a single monthly payment, balance transfers and spending, not, “I’ve found a £5 so I am going to pay it off my credit card”. The overdraft was handled differently, hence why I hadn’t spotted this until now, but since the rest of my debt is credit cards and I feel the £5 targets are here to stay, it requires quite a revamp of the spreadsheet.😅 It will be worth it in the end as having an accurate forecast I can trust which flags if any account needs attention, really takes a lot of the stress away from managing it all. It’s just always a bit of a stress changing formulas on it as after 20+ years of iterations is all very automated and I no longer remember how I built parts of it! 😂 I have tried various apps etc over the years in a bit to ‘get with the times’ and none of them come close to my spreadsheet in terms of accuracy and insight, so despite the occasional headache when I have to tweak it, it will almost certainly be my go-to for years to come. 
    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
    Oh, and I also had the joy this morning of little dog trying to jump over the back gate! Thankfully it is four foot high and she didn’t quite make it. This is a real concern as if she clears the gate when it is shut she could actually get out of the main garden. I know how good she is at jumping as in the house she clears the baby gates by miles if someone comes in the front door and she wants to go and great them - pretty much making the gates redundant as they are only there to stop the dogs. 🤦‍♀️ Up until very recently she has shown zero signs of wanting to escape, in fact she’s always been a bit afraid of the outside world as she gets a bit overwhelmed with all the traffic - opposite of big dog. Now though, whole different dog. I am beginning to think it might be less about wanting to play in the garden, and more that she might be coming towards her first season! 😱 I am kind of dreading this tbh as I am not sure how the pups are going to react to being separated for weeks. I am sure they will get used to it so long as they get lots of individual attention and exercise, but initially I suspect I am going to need ear plugs! 😬 If all else fails, I will castrate big dog. 😕
    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

  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy birthday 🎂🏬🌠🎈🎈🎈🎈
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Spendywendywoo
    Spendywendywoo Posts: 240 Forumite
    100 Posts Photogenic Name Dropper
    Happy birthday to you :)
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £236,171.58

    2025 goals:
    20 / 25 books
    10 / 25lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
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