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Teetering on the brink

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  • northAthenian
    northAthenian Posts: 116 Forumite
    Eighth Anniversary 100 Posts Name Dropper Combo Breaker
    @EatingBeans ...quick note to say topcash back are doing a £3 bonus on £10 purchase, (in case u r buying supermarket giftcards)
    #33 in 2025's 365x1p challenge - assigning amounts randomly on a daily basis

    #23 in make2025in2025
    January's total :£34.93  (1.72%. Le sigh....)
    February's total : £57.12 (2.82%)
    March's total = £123.81 (6.11%)
    April's total = £193.74 (9.56%)
    May's total =£276.40 (13.6%)
    June's total = £277.93 (13.7%)
    July's total = £286.45 (14.14%)


    2024  = 365x1p challenge #10 final tally £668.10  

    i apologise now, i can't type.
    Or, my keyboard skills cant keep up with my brain.


  • EatingBeans
    EatingBeans Posts: 414 Forumite
    100 Posts Photogenic Name Dropper
    Thanks @northAthenian I will definitely check out that Topcashback bonus. I must admit I had got out of the habit of looking so thanks for the nudge!
    End of
    Dec-24
    Jul-25
    Brother      5,400.00      8,100.00
    Overdraft owed      1,349.90                -  
    MBNA CC    10,534.20    12,073.22
    Barclaycard CC      9,667.21      9,725.88
    Fluid CC                -           712.50
    NatWest CC    12,018.14    12,171.46
    Aqua                -           342.08
    Total debt    38,969.45    43,125.14
    Paid off in the month -    4,638.17
    Total paid off 2025 -    4,155.69

  • EatingBeans
    EatingBeans Posts: 414 Forumite
    100 Posts Photogenic Name Dropper
    Today was less of a gardening day and more of a resting day as I already ached so much after yesterday. I did do a bit of levelling and more dry laying of pavers and adding some gravel to the edge of the pond to finish it off. I tried (and failed) to get a good photo of it but the light was really not helpful and it is a bit difficult to see, but here it is…


    The crocosmia is a bit all over the place because little dog had helpfully sat on it but since it dies back and regrows nice and straight again, I am looking past that. She also sat on the blue carpet conifer to the right of the pond but I am not so convinced that will recover (it’s 90% dead looking sticks at this point). You never know though so I will give it a bit of time to see if it recovers. 

    The rest of the day was mainly spent doing washing and generally chilling out with dd2, although we did have to venture to Aldi for a bit of food shopping. Just over £20 was spent on dd2 food, and I spent less than £10 for me (that included washing liquid and fabric conditioner). I’m actually pleased that dd2 filled her basket with so much food as the more we have in the house that she will eat, the less she asks me for something nice. I am a lot less fussy and will eat really random collections of foods if I have to to save money - I have a lot lower tolerance level for my children going without, or asking them to eat something they don’t like.

    All in all, not a bad day. 🙂 
    End of
    Dec-24
    Jul-25
    Brother      5,400.00      8,100.00
    Overdraft owed      1,349.90                -  
    MBNA CC    10,534.20    12,073.22
    Barclaycard CC      9,667.21      9,725.88
    Fluid CC                -           712.50
    NatWest CC    12,018.14    12,171.46
    Aqua                -           342.08
    Total debt    38,969.45    43,125.14
    Paid off in the month -    4,638.17
    Total paid off 2025 -    4,155.69

  • Cherryfudge
    Cherryfudge Posts: 13,392 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That's a lovely area, @EatingBeans: I am sure the crocosmia will perk up and hopefully so will the blue conifer. I would love a pond so I look at other people's with interest and always seem to home in on any plants that bend over the water... perhaps I need something long and narrow to accommodate all the ones I will inevitably want once I have some water around which to plant them! We still have a hollowed out area around some new paving, so a moat comes to mind...

    Feeding teenagers is more or less a job in itself so it's good your daughter has chosen things she'll eat!
    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: 414 Forumite
    100 Posts Photogenic Name Dropper
    Well, they finally announced the names of those who got the promotion. The permanent role went to someone I’ve never even heard of (who was apparently seconded into our team very recently), and the secondment went to someone who has been working under someone else who has also been given a secondment - making it is clear they had people in mind and the interviews were a tick box exercise for HR. I really hoped this new lot of managers would be different and it would start being fair but it is clear that it is just more of the same. I know I should leave but I know that if I do and want to come back I wont be able to as I would never be given a higher role as an external candidate, so I have to just suck it up and trudge on. I guess I just need to decide if I want to keep pushing or accept that I will never reach the band above. 

    If I can clear the debt then the wage I am on is enough for me and it is lower stress, but clearing the debt is made harder without it. Urgh!
    End of
    Dec-24
    Jul-25
    Brother      5,400.00      8,100.00
    Overdraft owed      1,349.90                -  
    MBNA CC    10,534.20    12,073.22
    Barclaycard CC      9,667.21      9,725.88
    Fluid CC                -           712.50
    NatWest CC    12,018.14    12,171.46
    Aqua                -           342.08
    Total debt    38,969.45    43,125.14
    Paid off in the month -    4,638.17
    Total paid off 2025 -    4,155.69

  • badmemory
    badmemory Posts: 9,769 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    My exH, who unlike me, used to understand company politics always said that if you were any good at your job then the only way to get on was to leave because they are never going to promote from that job because you are too good at it.
  • Sun_Addict
    Sun_Addict Posts: 24,153 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your pond is beautiful, so tranquil. 

    I hate it when organisations already have someone earmarked for a role and the interviews are just to tick a box and make it appear to be 'fair and open competition'. Hopefully something else will come your way in the not too distant future. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Cherryfudge
    Cherryfudge Posts: 13,392 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I've had a look back at some of your early posts and noticed you'd completely got rid of the high interest rate overdraft (good move) although obviously things have moved on since January so the figures aren't the same. You did mention freelance book keeping, though you said that usually requires some weekday availability. It may still be worth trying to get some work on your terms, though.

    Is there any possibility of increasing the amount of time you work from home, even just a little, as it would cut travel costs?

    Back in those early days, there were lots of things like doing surveys and using Olio that you hadn't been aware of. I wonder if we could come up with some more?
    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
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