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Let's get this sorted then!
Comments
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@Dakota_rose I'd heard about them. Because I like to dream about life once the debts are gone, sometimes I read the MFW posts and watch YTube videos about pensions and investing. Pete Matthew popped up on YTube, maybe because I know his brother IRL, and he was talking about a bridging fund last week. Hopefully I'll remember that when the time comes for me to think about it!
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 -
This is a ridiculous amount of seeds for one person with an average terraced house garden 😁
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 -
I'm just catching up on your diary as I have been having some time away from the laptop.
Well done on paying off 25% of your debt. It's good that you are starting to think about the future and putting money into a pension.
As a seed person, I'm not sure that is too many seeds 😊. Hopefully you are able to get out in your garden to prepare it for the year ahead.
2 -
not sure about there being too many but am impressed by the organisation
Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.2 -
Wonderful organisation and lovely seed packet designs
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 -
One of my personal challenges this year is to do more gardening - those seeds are inspiring!!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
I love your seed storeage. Am I the only one intrigued by what you have in Unusuals… Triffids perhaps!
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
March NSD challenge 12/10
March AFD challenge 11/142 -
@LzzyIsGod if you want any let me know, I'm going to have to start binning some that are getting old and not getting used up.
@Wanna_Bee_Free it's a photo storage box! In unusuals I have electric daisies, beef & onion plant, cucamelons, chinese violet cress, and red amaranth 😃
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 £175.542 -
🤣 I start off so well and enthusiastic and then forget to water them!!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
I tend to only grow things that can cope with a bit of neglect 😆
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
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