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Let's get this sorted then!
Comments
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Sorry to hear about Blod the Beautiful. She was a very special duck and you gave her a lovely life. I hope you are doing ok. x
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
March NSD challenge 6/10
March AFD challenge 8/142 -
Thanks everyone, I am sad, I will miss her a lot, but I am really glad she wasn't suffering and went on her own terms. Strangely today was the first time I ever held her, she was so soft!
Debts 04/01/25 02/03/26
Natwest2 £6,509.97 £4,940
NatWest CC £7,612.74 £6,465
Lloyds CC £6,112.60 £4,335
1st Direct CC £176.03 £33.94
CC total £20,411.34 £15,773.94
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £3,800
1st Direct Loan £10,684.44 £7,425
Total £36,195.78 £26,998.94
EF £1,500.38
HF £175.543 -
RIP Blod the Beautiful. Glad she had a peaceful passing
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 -
I had £20 left out of my wages (thanks to not having to do one of the long drives for work) so I paid that off the credit card. I know the 1st is Sunday but I'm allowing myself access to my wages tomorrow. I need to get dog food etc and if I don't get that tomorrow I can't get it til Tuesday but I'm busy at work Tuesday and Wednesday. Anyway, I've survived the 127 days of January.
Just done my debts list for the week.
I'll sit and plan out how I'm spending my wages this evening.
I did my second lecture this afternoon. I called in to Asders on the way home and picked up a pizza for my treat tea. Oh, and two slices of cheesecake. I've done 3 jobs again this week so pizza and cheesecake is well earned.
No plans this weekend other than the usual chores. No spends planned other than the usual necessities.
Debts 04/01/25 02/03/26
Natwest2 £6,509.97 £4,940
NatWest CC £7,612.74 £6,465
Lloyds CC £6,112.60 £4,335
1st Direct CC £176.03 £33.94
CC total £20,411.34 £15,773.94
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £3,800
1st Direct Loan £10,684.44 £7,425
Total £36,195.78 £26,998.94
EF £1,500.38
HF £175.547 -
3 jobs is very impressive!!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes3 -
It would be more impressive if I received three wages!🤣
Debts 04/01/25 02/03/26
Natwest2 £6,509.97 £4,940
NatWest CC £7,612.74 £6,465
Lloyds CC £6,112.60 £4,335
1st Direct CC £176.03 £33.94
CC total £20,411.34 £15,773.94
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £3,800
1st Direct Loan £10,684.44 £7,425
Total £36,195.78 £26,998.94
EF £1,500.38
HF £175.541 -
😂😂😂 true true
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
I've paid £380 off the NW2 credit card in January (the one I'm focussing on before the 0% period runs out).
The minimum payment was currently 55, but my DD is set for 115. I've paid £325 over the minimum. I've coloured in many squares on my tracker, that makes me happy.
I probably won't be able to pay as much off through February as I had lot's of unexpected bits of money come in in January. It'll be under 5k by the end of next week though hopefully. That was my goal by May!
Debts 04/01/25 02/03/26
Natwest2 £6,509.97 £4,940
NatWest CC £7,612.74 £6,465
Lloyds CC £6,112.60 £4,335
1st Direct CC £176.03 £33.94
CC total £20,411.34 £15,773.94
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £3,800
1st Direct Loan £10,684.44 £7,425
Total £36,195.78 £26,998.94
EF £1,500.38
HF £175.543 -
Today has been a strange day. A friend came to help me dig the garden for Blod. She's between the raspberry bush that the chickens love and the perpetual kale that the ducks love. I might try and sow a few flower seeds there when the weather breaks.
I brought quite a bit of wood into the conservatory to dry out. I can cut some of the too big logs in half in there too. It'll make a mess but it's already a mess and cleaning it out is a job for some time in February.
I've been a bit spendy, but nothing like I would have been in the past. The liquid soap dispenser is failing so I bought a green one to match the tiles and blind in the bathroom. I also bought some hair dye that I've been wanting to try for a while. I bought one of those eye masks to keep in the fridge because my eyes have been noticeably puffy the last week or two. I tried keeping spoons in the fridge this week, but an eye mask might mean I can put it on while I'm feeding the dogs or making my breakfast.
My tortoise has started to wake up today so I've had to buy some sterile top soil for his indoor enclosure. I'll need to clean that out asap and make a lid for it because the chickens have taken to using it as a dust bath and laying eggs in it in his absence.
I've watched a pleasant film, had the second Asdos pizza for tea, and then listened to some brain soothing music for 20mins with soothing eye things on and deep conditioner in my hair. I think I'm going to hoover and mop quickly, then maybe do my nails.
Debts 04/01/25 02/03/26
Natwest2 £6,509.97 £4,940
NatWest CC £7,612.74 £6,465
Lloyds CC £6,112.60 £4,335
1st Direct CC £176.03 £33.94
CC total £20,411.34 £15,773.94
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £3,800
1st Direct Loan £10,684.44 £7,425
Total £36,195.78 £26,998.94
EF £1,500.38
HF £175.544 -
All sounding good
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252
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