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Let's get this sorted then!
Comments
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I had my dipped egg n soldiers for lunch! Ridiculous that it's the first time when I've had ducks for 5 years and chickens for 3.
I had a long lie in and stayed in my PJs all day.
I did some batch cooking and used up some veg.
I've done some prep for my second/temp job later this month.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 £3.046 -
Today I went to the dentist, again. It was free today but I'm waiting to hear how much the next step will be. I'm not looking forward to it. I can drag it out til after January payday but probably can't drag it out til February's hopefully increased pay. I might have to see if they'll let me pay over 2 installments or something.
Tea was the minced lamb n veg I batch cooked yesterday, with some quick air fryer roast potatoes. Another large potato gone. 3 portions of lamb in the freezer.
One of the parsnips I stored in sand has started to sprout! There's a tiny green leaf poking out. Best I use that soon.
Nothing much else to report other than I did one full press up and a 30second plank. I haven't even tried anything like that for over a year. It's a start.
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 £3.042 -
It is a start and a good startRhyddid2026 said:Nothing much else to report other than I did one full press up and a 30second plank. I haven't even tried anything like that for over a year. It's a start.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) 25/07/20254 -
I'm having a very financially lucky month and I'm very grateful!
I had a tax refund of £350, I had my last switch bonus of £25, I got a £10 bonus from my bills account when I didn't even know they were doing the promotion.
And today I sold some gig tickets that I'd forgotten about (bought them for my nephew last year, he was intending on paying me back but now can't go), so I have another unexpected £250 coming my way. I know it's my own money coming back to me but I'd totally forgotten about it.
I don't want to tempt fate but after quite a few rocky months last year I am here for it!
When the money comes in I'll pay for some private meds that I need soon but was trying to make last til payday, then I'll pay the rest off a debt. Ticket master said it could take 17 days but hopefully it'll be sooner.
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 £3.046 -
Of all the months I think January is the best month to get lucky moneywise. I always think it's sweeter on such a long month!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes5 -
Definitely! It's made the month slightly less horrific!LzzyIsGod said:Of all the months I think January is the best month to get lucky moneywise. I always think it's sweeter on such a long month!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 £3.046 -
Lovely news, good for you 🍻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 Carmichael3 -
Congratulations - these (not so) little wins are fantastic 😊3
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I've just fixed my energy for another year. Stayed with the same supplier as I've been happy with them after a few awful experiences with other suppliers. They've estimated my bill will reduce from £160 to £135.
Since I painted my other living room wall dark, and I have no pictures on that wall to break it up, it's a bit too dark. My ceiling lights are also not quite bright enough. I've just found a standard lamp that perfectly matches a table lamp I have, and goes well with my ceiling lights, for £22.
I can pick it up tomorrow on my way home from work. It's brass so should break up the dark a little (in both senses of the word).
Nothing much else to report, work is busy with visits, I'm feeling a little January but not as much as previous years, I'm eating plenty of veg, I've falling asleep on the sofa after work every evening this week.
Oh! Tonight I did 10 press ups on my knees, so I'll start reducing the numbers on my knees and increasing the full press ups gradually (9/1 tomorrow, 8/2 next time).
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 -
That's good news about the extra money.Well done on the plank - I do it and find it hard.2
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