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Let's get this sorted then!

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Comments

  • PennysIntoPounds
    PennysIntoPounds Posts: 4,477 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    None since 21st for me either
  • 1stTimer
    1stTimer Posts: 372 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Same here.
    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

    Total 2025 -£7137.06

     
  • rachmac3
    rachmac3 Posts: 422 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    edited 28 August at 11:40AM
    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        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
  • Chocolatefund
    Chocolatefund Posts: 200 Forumite
    Tenth Anniversary 100 Posts Debt-free and Proud! Photogenic
    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: £3,445 / £4000
    SIPP: £3,932 / £5000
    S&S ISA: £637 / £1000

    “Save me now and I’ll save you later” - Your money

    I eat far too much chocolate...
  • LzzyIsGod
    LzzyIsGod Posts: 445 Forumite
    100 Posts Photogenic Name Dropper
    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!!
    LBM Oct 24 
    Start Nov/Dec 24  £39 564

    July 25  £34 531
    Aug 25  £33 866.83

    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • rachmac3
    rachmac3 Posts: 422 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    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        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
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