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Let's get this sorted then!

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Comments

  • Sarahwithlove
    Sarahwithlove Posts: 3,406 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I think focusing on an emergency fund may be a good idea, just in case any of the quick repairs don't work and items need replacing. You'll feel better if you have some funds to fall back on. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • rachmac3
    rachmac3 Posts: 513 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I really enjoyed my week of only having one job and no extra things I "should" have been doing. For some reason I used to believe I had to nag myself and pressure myself to get things done, as if I'd just grind to a halt and do nothing otherwise. Well that's not true is it! I might even do more stuff without the pressure because I'm not exhausted by overthinking and worrying.
    I'm starting to see all the small improvements in the house and garden add up, I could actually start inviting people around later this year without being overly apologetic about the state of it all.
    I am wfh today and started late because I spent an hour in the garden with my animals, eating a free croissant with homemade jam. More Mondays should start this way.
    Not much change on the debts/finances as it's the second half of the month. Just mulling things over really, contemplating next steps without worrying too much.
    Have a lovely week everyone!
    Debts                04/01/25         01/10/25   
    Natwest2           £6,509.97       £5,830 
    NatWest CC      £7,612.74       £6,830
    Lloyds CC          £6,112.60      £4,940
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,600
    TSB OD             £500              £0
    1st Direct OD     £600              £250
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £30,310
  • Cara_
    Cara_ Posts: 142 Forumite
    100 Posts Second Anniversary
    That sounds like a lovely start to the week.
    I hope it isn't too long before you feel able to invite people to your house.
  • rachmac3
    rachmac3 Posts: 513 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Thanks @Cara_
    I do have a few friends that come around, ones that have seen the house (and myself) in much worse states, but it would be nice to feel more relaxed about it and invite new people. 

    As it's the last half of the month and nothing much is changing I thought I would check my credit scores to keep the motivation up. Annoyingly my score has gone down because my house insurance is showing as a loan because I'm paying it by direct debit. I've always paid by direct debit. It's never shown as a loan before. I know it doesn't really matter too much, just caught me off guard and irked me. Yet another reason to get on top of my finances and pay out of savings next year!
    Debts                04/01/25         01/10/25   
    Natwest2           £6,509.97       £5,830 
    NatWest CC      £7,612.74       £6,830
    Lloyds CC          £6,112.60      £4,940
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,600
    TSB OD             £500              £0
    1st Direct OD     £600              £250
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £30,310
  • rachmac3
    rachmac3 Posts: 513 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    edited 23 May at 10:58PM
    I've got through my birthday week without spending too much money. I bought some nice food, a round of drinks, and a takeaway, but I'm fine with that. 
    I am looking forward to May pay, having a bit of a reset after rejigging my finances, and working on reducing the debt on the credit card that will need to be transferred in September. £6,050 on there at the moment, I'd like to get as close to £5,000 as possible before I need to transfer to a new 0% card. I'm also going to build up my emergency fund to £1,000.
    I am a woman with a plan! 

    Debts                04/01/25         01/10/25   
    Natwest2           £6,509.97       £5,830 
    NatWest CC      £7,612.74       £6,830
    Lloyds CC          £6,112.60      £4,940
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,600
    TSB OD             £500              £0
    1st Direct OD     £600              £250
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £30,310
  • dawnybabes
    dawnybabes Posts: 3,486 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy birthday week x
    Sealed pot challenge 822

    Jan - £176.66 :j
  • itsthelittlethings
    itsthelittlethings Posts: 1,230 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Happy Birthday!
    35 NS&I
    5 credit union

    Credit card 2300
    Overdraft 0
  • 1stTimer
    1stTimer Posts: 388 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Hope you had a great birthday 🥳
    Save £12k in 2025 #32 
    Make £2025 in 2025 #28
    JAN- £695.23 FEB- £599.43 MAR- £709.42 APR- £1102.89 MAY- £776.76 JUNE - £966 JULY - £1104.84 AUGUST - £1183.03
    SEPT- £3094.76

    Total 2025 -£10,231.82

     
  • jwil
    jwil Posts: 22,358 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you had a nice birthday!
    "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
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