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Let's get this sorted then!

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Comments

  • flamingo22
    flamingo22 Posts: 93 Forumite
    10 Posts Photogenic Name Dropper
    I've just started doing surveys on curious cat and you can easily earn a few pounds a day, it's better than the other ones I've done so far. 
    It's hard this debt busting isn't it and the weather doesn't help, just makes me feel more miserable. 
  • Rhyddid2026
    Rhyddid2026 Posts: 621 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Thanks @flamingo22 I'll have a look at that.
    Debts                04/01/25         01/11/25   
    Natwest2           £6,509.97       £5,700 
    NatWest CC      £7,612.74       £6,755
    Lloyds CC          £6,112.60      £4,815
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,270
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £29,980
  • LzzyIsGod
    LzzyIsGod Posts: 530 Forumite
    500 Posts Photogenic Name Dropper
    How you feeling @rachmac3? Any better?

    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • Rhyddid2026
    Rhyddid2026 Posts: 621 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I feel fine as long as I'm not doing much. I've taken the rest of the week off work to try and recover properly but not sure I'm doing much of that either. Just feeling a bit meh.
    The nurse failed to get blood out of me this morning so a different nurse will try tomorrow morning.
    If anyone has any tips on getting veins to behave please share. I already drink plenty the day before and the day of, and try to keep myself warm.
    Debts                04/01/25         01/11/25   
    Natwest2           £6,509.97       £5,700 
    NatWest CC      £7,612.74       £6,755
    Lloyds CC          £6,112.60      £4,815
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,270
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £29,980
  • Rhyddid2026
    Rhyddid2026 Posts: 621 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I was feeling flat all day, so when I nipped home to put the chickens and ducks away I grabbed some bits to bring back to this house with me. I had a lovely deep bubble bath, with deep conditioner on my hair and a facemask on. Double whammy because I feel better and I've found more stuff to get rid of. I have a ridiculous amount of face masks I'll never use so they can go on Olio tomorrow. I also used up a small very old tube of cocoa butter. When things are going slow you have to celebrate the small wins. 
    I have eaten a lot of cr*p today but I'll worry about that another day. Just hope it doesn't throw my blood tests too much. Although, I only need to worry about that if they get blood out of me!
    Debts                04/01/25         01/11/25   
    Natwest2           £6,509.97       £5,700 
    NatWest CC      £7,612.74       £6,755
    Lloyds CC          £6,112.60      £4,815
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,270
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £29,980
  • Rhyddid2026
    Rhyddid2026 Posts: 621 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    edited 9 October at 12:58PM
    The nurse succeeded in getting blood from my hand on the 3rd attempt. Such a relief!

    I nipped home and threw away some very out of date cocoa powder and protein powder. I brought back sausages and rolls from the freezer to eat today. So that's a few more things gone as part of my season of shedding. I'm just aiming for the small wins while I'm away, thinking I might get some bigger chunks done when I'm home. Although in reality, given my health and work and all the other things I'm juggling I will be happy to carry on with small wins as long as they add up to a big win by Christmas. 

    I've  downloaded a Marie Kondo book on audible to inspire me, although I am still worried it will terrify me!

    I have 2 NW credit cards  and I moved the DDs as part of my latest switch. The payment due on 4th went out fine but not the one due on 8th. Why would the DD switch work for one and not the other? Especially when it worked for the one it had less notice for. Strange. Anyway, paid that manually and I'll have to remember to keep an eye on it next month. 

    I think all my debt related DDs have been paid for this month. I haven't spent much either as I've been off work and house sitting. I need fuel but I'll just get a little bit locally and fill up at a cheaper place next week ready for work.  I'm looking forward to doing my weekly figures tomorrow, it's the time of the month when things are at their very best. 

    OOooo!! I didn't include my emergency fund when I did my signature as I was moving funds around, but it is back up to £600. I think that's the highest it's been.

    Debts                04/01/25         01/11/25   
    Natwest2           £6,509.97       £5,700 
    NatWest CC      £7,612.74       £6,755
    Lloyds CC          £6,112.60      £4,815
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,270
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £29,980
  • jwil
    jwil Posts: 22,532 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad they got the blood ok.  I have terrible veins too, I was amazed they got it first time recently, that never happens!

    I like the Marie Kondo books, I just ignore the bits I don't agree with.  Also, if you find it overwhelming, break the categories down into smaller ones.  So don't pull out all your clothes, but do smaller sections like underwear, tops, trousers etc.
    "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
  • Rhyddid2026
    Rhyddid2026 Posts: 621 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I think I'll have to @jwil When I heard that in the first chapter - pull everything out and do it all at once - I nearly died at the thought!!!

    On my brief visit home this evening I've thrown away out of date herbs and spices, corn flour, yellow split peas, coffee bags, sachets of hot chocolate and chai, and brown sugar.

    I've started a list of things I'd like to replace, but I'm going to see if I can either get small bags or get them in one of those shops where you fill a little jar.

    Debts                04/01/25         01/11/25   
    Natwest2           £6,509.97       £5,700 
    NatWest CC      £7,612.74       £6,755
    Lloyds CC          £6,112.60      £4,815
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,270
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £29,980
  • doingitanyway
    doingitanyway Posts: 10,435 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Great news about the house pot
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
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