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Let's get this sorted then!
Comments
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Yum. I love middle eastern food. Although, to be fair, I love most food!😂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 £30,3102 -
Haha me! Although I've only come to appreciate middle eastern food in recent years amd I feel I need to make up for lost time 😂
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
I've tried a new thing this month. I put £300 in a separate pot and gave myself £10 a day for 'wants'. It sounds like a lot, but this is to include takeaways, treats, clothes, make up, acupuncture, garden related stuff I don't 'need', dog walker etc. I think it's working pretty well, I don't feel like I can't have something, I just can't have the takeaway and the pretty plants today. I can have one now and one in a few days though. By which time I have usually found something else I want. I think it tricks me into feeling like I have plenty of money to treat myself and I don't feel miserable and hard done by, but it slows me down and makes me think. Oh, you want that £25 pair of jeans even though you have wearable jeans? Well then you can certainly have them in 3 days time.
I'll do it again next month, and see if it's something I want to stick at for a while. Next month it has to include a haircut that I've booked - 6 days worth of treat money!
It's helped me to not waste money that I think doesn't really count because it's payday but the new month hasn't started and I haven't done budgets yet. Or hit the f*** it button because it all feels hard.
The things I have to do to trick my brain into being sensible!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 £30,3103 -
I like the daily allowance for 'wants...'
You are rewiring your financial brain
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Thanks DIA, now the debts are coming down and I'm not in such constant panic I have some breathing space to try and figure out what works best for me.
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 £30,3102 -
That's a great idea, glad it worked well"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 McGee1
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Interesting idea about the treats a day pot. Mine would be about £1 as things stand I reckon
July 2024 £12,150 Oct 2025 B/Card £6,170, Virgin £2,940, Klarna £455, Sports Trips £550, Halifax £505 Total £10,6202 -
I may not be cash rich, but today I am egg rich, cucumber rich, and bean rich. Thank you very much garden!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 £30,3102 -
And I've just opened a new bank account to start switching.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 £30,3102 -
Sounds a very productive day! I'd love to have chickens but we aren't allowed and my gardening efforts are very very poor so I am in awe.
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes1
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