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Let's get this sorted then!
Comments
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I know it can be a disappointing feeling when you are having to dip into that emergency fund, but as others have commented, it isn't like you are using it to fund a spending spree, you are using it for exactly what it is designed for. It is important at times to sit back and look at how much progress you have made and emergencies are different for each individual. Well done on the no debt Christmas.2
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7 rolls of wrapping paper decluttered through olio.
I bought a few more bags of 15p veg. I'm going to be very healthy in January!!
Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.044 -
Have a lovely Christmas!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1
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Happy Christmas!If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
All my favourite treats have been bought in for tomorrow. The fire is lit
I still have presents to wrap.
I'm having a blonde ale.
Happy Christmas everyone!Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.041 -
Happy Christmas, well done on all your brilliant mse work this year, hope you have a very contented day tomorrow 😊https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael2 -
Happy Christmas 🎅 🎄2
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Happy Christmas.Credit card 1712
Overdraft 0
2026 EF 100/3000
All I want is a weather forecast saying there'll be more weather.2 -
Sorry you had a low point last night. You've done so well this year and you have a plan for 2026 so more progress will be made.Merry Christmas.2
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I've had a lovely day, best Christmas in ten years! I finally managed to get a solo no-demands no-driving Christmas Day!
I had a lie in. I had Bailey's and shortbread for breakfast. I took the dogs for a long walk, I watched a robin in my garden (pinching my chooks food, but he waited patiently nearby for the chickens to finish their breakfast). I ate all of my favourite food, watched a film, had a nap, watched some comedy, ate more food, and now I wrapping presents with the record player on. Delightful!!
I'll do the family stuff tomorrow.
I hope everyone had a lovely day too
Forgot to add - in a nod to the MSE Advent I wore a shirt belonging to my grandad which I've never worn before, and opened a bottle of my nans perfume and wore a squirt of that. I also read @Tezzadp 's update before I ate my lunch as if it was the King's speech.Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.045
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