📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Let's get this sorted then!

Options
12426282930

Comments

  • rachmac3
    rachmac3 Posts: 370 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    I just plant loads and see what survives 😂
    I could make a much longer list of everything that had failed this year.
    Chickens are terrors, ducks are much nicer. If only I liked duck eggs as much as chicken eggs.

    Debts                 04/01/25        02/08/25   

    Tesco CC          £6,509.97       £6,030 (now NatWest2)
    NatWest CC      £7,612.74      £7,080
    Lloyds CC          £6,112.60      £5,075
    1st Direct CC     £176.03         £19.92
    CC total             £20,411.34   £18,204.92
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,246.15
    Total                  £36,195.78   £31,451.07
    EF £400.56
  • LzzyIsGod
    LzzyIsGod Posts: 405 Forumite
    100 Posts Photogenic Name Dropper
    🤣 when we are debt free we shall only dine on quails eggs
    Nov/Dec 24  £39 564

    July 25  £34 531
  • rachmac3
    rachmac3 Posts: 370 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Rolled in gold leaf please!

    Debts                 04/01/25        02/08/25   

    Tesco CC          £6,509.97       £6,030 (now NatWest2)
    NatWest CC      £7,612.74      £7,080
    Lloyds CC          £6,112.60      £5,075
    1st Direct CC     £176.03         £19.92
    CC total             £20,411.34   £18,204.92
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,246.15
    Total                  £36,195.78   £31,451.07
    EF £400.56
  • Sun_Addict
    Sun_Addict Posts: 24,061 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm still changing my mindset about ways to approach things and I'm not far off retirement age. I don't think you ever stop evolving as a person. 

    I think your idea about allowing yourself £10 a day is brilliant. If you add up all the bits and bobs here and there over the month I bet it would add up to £300, if not more. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • rachmac3
    rachmac3 Posts: 370 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    @Sun_Addict I felt like it was a ridiculously massive amount, but that's about how much was disappearing without me realising anyway so at least this way I can think about it without panicking. Once I've got to grips with exactly how much I'm spending and on what I can think about reducing it or creating more pots for things to get it under control. 
    So tonight I have checked my spreadsheet and made some handwritten notes (sticks in my brain better if I hand write), separated my money into more pots to get it all sorted before it hits my account in the morning. It still seems like I should have a lot more money left than I actually do. Why is my maths not mathing?!?
    Hopefully this is another step in the right direction of figuring all of this out. 
    I have to put a bit of the surplus this month aside for accommodation for my holiday in September. That should be about £70 so not too bad. I also need to put money aside for my MOT.

    Debts                 04/01/25        02/08/25   

    Tesco CC          £6,509.97       £6,030 (now NatWest2)
    NatWest CC      £7,612.74      £7,080
    Lloyds CC          £6,112.60      £5,075
    1st Direct CC     £176.03         £19.92
    CC total             £20,411.34   £18,204.92
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,246.15
    Total                  £36,195.78   £31,451.07
    EF £400.56
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's brilliant, well done!
    "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
  • FootyFanDan
    FootyFanDan Posts: 1,685 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Fab progress been made daily
  • doingitanyway
    doingitanyway Posts: 9,962 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Well done. Keep making breakthroughs. 
    I still think being paid should be cause for a little celebration...a tiny splurge...you just need to include the payday splurge in your budget?
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.