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Teetering on the brink

18586889091112

Comments

  • Cherryfudge
    Cherryfudge Posts: 13,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 27 August at 9:14PM
    What a shame about the uneven cut. Good job she had you to fix it.

    Won't be long till you can get yours cut too or perhaps you could put the long layers back in, knowing that if it's not perfect, you can cut them off and still get it neatened up by a professional later if necessary.
    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
  • vampirotoothus
    vampirotoothus Posts: 379 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Hi, if you buy something large on your cc and then return it, the credit should be used as your payment for the month, which may give you some breathing space. This definitely happens with Tesco and Barclaycard. Good luck V x
  • Cherryfudge
    Cherryfudge Posts: 13,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Lovely to see yesterday's progress! I am exactly the same as you with weighing daily, though I've not done done it recently. It does help me keep focussed but I don't take day to day fluctuations too seriously, as long as the trend is in the right direction.

    And that seems a very workable plan for Olio too. I don't do Olio though there's someone who brings surplus bread and fresh fruit into church for anyone who wants it, and I suspect that's through Olio. I agree it's nice to be able to treat your daughters to muffins! And it makes sense to allow yourself treats too.
    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
  • dawnybabes
    dawnybabes Posts: 3,486 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Have you looked at your local college for a haircut? Ours charges a nominal fee.

    love the idea of free muffins 🥰
    Sealed pot challenge 822

    Jan - £176.66 :j
  • EatingBeans
    EatingBeans Posts: 526 Forumite
    500 Posts Photogenic Name Dropper
    Hi, if you buy something large on your cc and then return it, the credit should be used as your payment for the month, which may give you some breathing space. This definitely happens with Tesco and Barclaycard. Good luck V x
    I must admit I never thought of this before. Extra payments don’t reduce my direct debit payments for my credit cards but it might help fight off the letters about persistent debt. Thanks for the tip!
    End of
    Dec-24
    Sep-25

    Brother

    5,400.00

    7,800.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,481.53
    Barclaycard CC 9,667.21 9,662.17
    Fluid CC 0.00 1,046.44
    NatWest CC 12,018.14 11,705.36
    Aqua 0.00 1,127.94

    Total debt

    38,969.45

    42,823.44
    Paid off in the month 211.33
     

    Interested in my diary? Check out...
    https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p1
     
  • EatingBeans
    EatingBeans Posts: 526 Forumite
    500 Posts Photogenic Name Dropper
    Have you looked at your local college for a haircut? Ours charges a nominal fee.

    love the idea of free muffins 🥰
    I have looked at local colleges for a hair cut but the nearest one is in the city centre and cost of parking is insane. I also very much doubt I would end up with a good cut as I very often find experienced hairdressers struggle to understand what I am looking for. Done well though it lasts me ages as it grows out still looking like a style. Sadly my old hairdressers have closed down so I have to go through the whole process again with a new stylist. Ah well, something to think about in October. 😂
    End of
    Dec-24
    Sep-25

    Brother

    5,400.00

    7,800.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,481.53
    Barclaycard CC 9,667.21 9,662.17
    Fluid CC 0.00 1,046.44
    NatWest CC 12,018.14 11,705.36
    Aqua 0.00 1,127.94

    Total debt

    38,969.45

    42,823.44
    Paid off in the month 211.33
     

    Interested in my diary? Check out...
    https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p1
     
  • EatingBeans
    EatingBeans Posts: 526 Forumite
    500 Posts Photogenic Name Dropper
    Olio trip turned out pretty good. I got three punnets of strawberries and a punnet of peaches (all actually in very good condition)! TWO large apple pies! 😋 4 muffins, two bags of broccoli and cauliflower and about 7 bags of brussel sprouts (I only requested one so there will be lots for the guinea pigs and dogs)! 🤣 

    Unfortunately during my journey, I also discovered that my remote central locking is no longer working from my car key. The central locking switch inside the van still works but just using the key on the drivers door only locks the drivers door. So to lock the van I now have to get out of the drivers door, get in the sliding door, shut all the doors (it only works if all the doors are shut), hit the central locking switch on the centre console to lock all the doors, manually unlock the sliding door, get out, manually switch the inside lock on the sliding door and close the door. Job done, van locked! 🤣 Now, the question is, does this justify breaking my no spend rule to buy a new remote battery? 🤔 Nope, at least not yet. I am sure the process will drive me mad but technically I can still lock the van so it does not constitute an emergency. Not entirely sure how I will manage when I have two dogs in tow but it will be amusing to find out. 
    End of
    Dec-24
    Sep-25

    Brother

    5,400.00

    7,800.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,481.53
    Barclaycard CC 9,667.21 9,662.17
    Fluid CC 0.00 1,046.44
    NatWest CC 12,018.14 11,705.36
    Aqua 0.00 1,127.94

    Total debt

    38,969.45

    42,823.44
    Paid off in the month 211.33
     

    Interested in my diary? Check out...
    https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p1
     
  • Cherryfudge
    Cherryfudge Posts: 13,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Great lots of goodies from Olio! If you have a nearby L1dl, they sometimes do mixed boxes of end-of-shelf-life fruit and veg for 31.50. The selection and quality are variable, but the amounts tend to be generous.

    Do you have a photo of how you like your hair, to show the new hairdresser? Sorry, that sounds so obvious! However, it's the most direct route to clear understanding that I can think of.

    I am really impressed with your solution to locking the car!
    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: 526 Forumite
    500 Posts Photogenic Name Dropper
    Great lots of goodies from Olio! If you have a nearby L1dl, they sometimes do mixed boxes of end-of-shelf-life fruit and veg for 31.50. The selection and quality are variable, but the amounts tend to be generous.

    Do you have a photo of how you like your hair, to show the new hairdresser? Sorry, that sounds so obvious! However, it's the most direct route to clear understanding that I can think of.

    I am really impressed with your solution to locking the car!
    No Lidl nearby sadly but Olio regularly seems to have lots of veg nearby so I should be good. I might just need to do a few pick ups. 😁
    End of
    Dec-24
    Sep-25

    Brother

    5,400.00

    7,800.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,481.53
    Barclaycard CC 9,667.21 9,662.17
    Fluid CC 0.00 1,046.44
    NatWest CC 12,018.14 11,705.36
    Aqua 0.00 1,127.94

    Total debt

    38,969.45

    42,823.44
    Paid off in the month 211.33
     

    Interested in my diary? Check out...
    https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p1
     
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