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Let's get this sorted then!

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Comments

  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,605 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 31 December 2025 at 10:10AM
    i've just caight up with your whole diary over the lasr few days - what a fantastic ride! Ups downs, twists and turns. Through it all our plucky heroine battled away. I'm not surprised you need a rest and feel a bit meh over Twixtmas. I had meh times paying down mydebts too years ago. Just hold course you are doing brilliantly.

    One question - are you pleased with the new blind and redecorated cloakroom or is that still on the to sort list?
    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    January NSD challenge 15/10
    January AFD challenge 6/14
    2026 Art pass savings £29.50
    2026 Railcard savings £0
  • You poor thing @Wanna_Bee_Free !  I hope you at least had good snacks. Nobody can accuse me of sugar coating the debt free journey, it's hard going and I'm definitely honest about that, and aaalllllll the emotions that go along with it. Sometimes many in the same day 😂
    I'm still a little bit bugged by the blind not being centred, but I love the green and love all the plants being in there. It's probably 95% finished, just 2 tiny plant pots to buy and some tidying up of the paint job. I'm using it everyday at the moment because my ensuite shower is still broken.
    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  £3.04
  • That sounds beautiful @PennysIntoPounds !
    I think I'm going to try the jam doughnut ale. I've bought lots of snacky food for myself, and I'm contemplating painting a living room wall with the music on loud to distract the dog from the fireworks.
    I've sent an informal email to the boss just to check my understanding in the absence of anything written. He's out of office til Monday but I feel better for having sent it.
    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  £3.04
  • Slowdown said:

      🎼🎶“I’ve looked at clouds from both sides now, from up and down but still somehow…”.🎶🎵 
    I had to Google that, it sounded familiar but I couldn't quite place it. I'll add it to my painting playlist for this evening :)
    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  £3.04
  • jwil
    jwil Posts: 22,982 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New year!
    "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 McGee
  • Rhyddid2026
    Rhyddid2026 Posts: 925 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Thanks @jwil
    Happy new year and happy new wall colour to me!! 
    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  £3.04
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