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Let's get this sorted then!
Comments
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None since 21st for me eitherhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 55
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r62 -
Same here.Save £12k in 2025 #32Make £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- £3094.76Total 2025 -£10,231.82
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To alleviate my boredom, and my sadness that I'm doing nothing fun on this bank holiday weekend, and another summer passes me by.... *sigh* ... I'm going to buy some bright pink paint today and paint my shed tomorrow!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 £30,3108 -
So glad my notifications are back!
The shed is very pink. The paint I got was really good quality which made me feel slightly better about my debit card being declined at the checkout. I had the money, just not all in one account. That hasn't happened for a long time!
I've pretty much maxed out all my pots, I've got 20 left in the pet pot but need to buy some medication for them so that'll be gone. I still have 50 left in my daily treat pot though and 5 days left so spot on!! Winning at life!
Payday Friday I think, but I have to remember to sit and plan and not touch it til the 1st September. I did well with that last month.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 £30,3106 -
My payslip came through today (it comes a few days before the pay) so I can start doing my planning this evening. I have to pay for quite a few extras this month (tyres, medication, car tax)and I'm going on holiday (pet sitter etc). I think it's going to be vey tight!!!
I don't have a suitcase as I haven't had a holiday for a long time and if I go anywhere I just take a backpack. My back doesn't like suitcases on wheels usually (except the 4 wheels multi direction and height adjustable ones). I found a rucksack I liked the look of, where the straps zip away so they don't get snagged in the airport and it has a cross body strap option too. It had sold out this morning so I've spent a frantic hour looking for similar before eventually hunting one down. I've had to borrow money out of the emergency fund to get it. Not ideal but better than a credit card.
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 do love the great monthly money shuffle! It’s always good to have a plan for the month ahead. Something I never really did till I started talking my finances seriously.
You’ve totally given me the holiday bug. Too much choice and temptation out there.
The financial wealth building journey.
Busting this debt before 40. Started in August 2024 with debt = £19,966. August 1st 2025 debt = £0 and busted!
Debt free dairy https://forums.moneysavingexpert.com/discussion/6547320/busting-this-debt-before-40/p1
Savings goals by 31st December 2025;
Emergency Fund: £3,674 / £4000
SIPP: £4,375 / £5000
S&S ISA: £766 / £1000
“Save me now and I’ll save you later” - Your money
I eat far too much chocolate...2 -
I do like this mindset of month starting on the 1st of the month - I'm going to adopt that this month!
I think everytime you look at the pink shed you should sing Pink Pony Club in your head 🤣 maybe you should make it a WoMan Cave!!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
It's pretty new for me @Chocolatefund but it worked well last month.
@LzzyIsGod the idea was actually from a song, because I don't have a drainpipe I can paint (My Pink Half of the Drainpipe). My uncle put the idea in my head at my aunt's funeral. Most of my family are huge music fans and some have bizarre tastes!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 £30,3101 -
I really wish I hadn't started my planning before bed. As thought, I don't have enough for this month. I need 2 new tyres but if I only get one (and get it for £60) I can take £80 on holiday with me for 8 days of food drink travel etc. One tyre seems silly. £10 a day for holiday seems unlikely (but it's my £10 a day allowance I've given myself in the UK, I have no wages left for actual spending money). That's also if I don't buy my brother or nieces birthday presents, and if I can postpone the vet visit til September payday.
I did not sleep well! I did my (quite common) panic/rant of "I can't live like this any longer".
I've told myself it's probably not that bad and I can have another look, including checking all the bill amounts, later tonight with a glass of wine. Best I get to work now though or I'll be trying to manage on even less.
Breathe Rachel breathe!!!
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 -
This is me today 😂
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 £30,31011
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