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Let's get this sorted then!
Comments
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Good work on the decluttering! Are you finding it's making you feel good?
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
Yeah, there's so much stuff in this house it's overwhelming but doing half hour at a time or a drawer or box feels manageable. Also when I can't tackle some of it because it's not mine and I need that persons input, I can do a little bit of my own and still feel I'm getting somewhere.
It was a really nice feeling this morning though, knowing every bra in my drawer was wearable!
Debts 04/01/25 01/06/26
Natwest X2 £14,122.71 -
Barclaycard - £10,200
Lloyds CC £6,112.60 £3,795
1st Direct CC £176.03 £0
CC total £20,411.34 £13,995
OD £1100 £0
Car loan £4,000 £3,000
1st Direct Loan £10,684.44 £5,275
Total £36,195.78 £22,270
EF £2,210
HF £1.063 -
My key prep each week is making sure I have underwear available for the week. It makes more of a difference to me than meal planning.June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest4 -
The decluttering has slowed because I've been back at work and needing to rest in the evenings.
One more thing given away for free, insulation foil I bought maybe 3 years ago and never used. It didn't shift on olio but went straight away on the valley Facebook page.
I've filled up on fuel and dog food, and had a sm delivery, which might last the month if I'm lucky.
My boiler was serviced, but he raised a few problems from when it was fitted. It should be switched off until I've made those repairs but luckily aspects of my old house on a hill made it less dangerous than if I lived in a regular house. For once the old wonky house worked in my favour!
My main priority tomorrow is giving the dogs a good walk. The poor things haven't walked much while I've been trying to get over this stupid lingering covid.Debts 04/01/25 01/06/26
Natwest X2 £14,122.71 -
Barclaycard - £10,200
Lloyds CC £6,112.60 £3,795
1st Direct CC £176.03 £0
CC total £20,411.34 £13,995
OD £1100 £0
Car loan £4,000 £3,000
1st Direct Loan £10,684.44 £5,275
Total £36,195.78 £22,270
EF £2,210
HF £1.062 -
Shedding update to keep me motivated...
13 face masks
Nivea tin
Nivea box
Body shop gift box
Carmex lip balm tin
4 pants
5 bras
Roll of foil insulation
3 Finger toothbrushes
Pink clothes dyeDebts 04/01/25 01/06/26
Natwest X2 £14,122.71 -
Barclaycard - £10,200
Lloyds CC £6,112.60 £3,795
1st Direct CC £176.03 £0
CC total £20,411.34 £13,995
OD £1100 £0
Car loan £4,000 £3,000
1st Direct Loan £10,684.44 £5,275
Total £36,195.78 £22,270
EF £2,210
HF £1.062 -
Feeling tired and run down and hormonal. I've been eating my emotions in response. That will not help me feel better in the long run.
Anyway! A bag went to the charity bin today. That was 5 tops and 3 pairs of footwear decluttered.
I don't like the roastie toasties I bought for the log burner, I need to stop being lazy and go sort out the logs in the alleyway.
I spent an hour at the storage unit this afternoon making some small steps towards tackling that. I bought myself some nice cheese as a reward.
I also bought a piece of half price pork in sains. Not sure what I'll do with it yet, but no rush. It can go in the freezer if need be.
I stupidly looked at my student loan last night. It's a fine line between looking often enough that I'm fully aware of my financial situation, but not looking too often because it's so depressing.
The rest of the finances (debts) are looking ok. I've seen a run down house on a quarter acre of land I want to buy so I'll distract myself with daydreams of how it'll look when it's finished and what animals and fruit trees I'll have.Debts 04/01/25 01/06/26
Natwest X2 £14,122.71 -
Barclaycard - £10,200
Lloyds CC £6,112.60 £3,795
1st Direct CC £176.03 £0
CC total £20,411.34 £13,995
OD £1100 £0
Car loan £4,000 £3,000
1st Direct Loan £10,684.44 £5,275
Total £36,195.78 £22,270
EF £2,210
HF £1.063 -
Still feeling low/hormonal and I haven't bought the new house yet so I dyed my hair for the first time in about 5 years.
Decluttered the cupboards in the downstairs bathroom while it was on.
Also sorted out a folder of bills statements and confidential info from 2017/2018. And pulled out a few books that can go.
I started to fill the hole around the boiler flue but it's a horrible awkward job and it's going to take a few goes.
The wall I've been repairing is still letting water through, nowhere near as bad as it was though.
Debts 04/01/25 01/06/26
Natwest X2 £14,122.71 -
Barclaycard - £10,200
Lloyds CC £6,112.60 £3,795
1st Direct CC £176.03 £0
CC total £20,411.34 £13,995
OD £1100 £0
Car loan £4,000 £3,000
1st Direct Loan £10,684.44 £5,275
Total £36,195.78 £22,270
EF £2,210
HF £1.063 -
Are you happy with the new hair? did it help with low/hormonal feelings?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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
It's a little dark but yes, I think it looks better. Sometimes something just needs to change.
A couple of decent night's sleep have also helped Dia.Debts 04/01/25 01/06/26
Natwest X2 £14,122.71 -
Barclaycard - £10,200
Lloyds CC £6,112.60 £3,795
1st Direct CC £176.03 £0
CC total £20,411.34 £13,995
OD £1100 £0
Car loan £4,000 £3,000
1st Direct Loan £10,684.44 £5,275
Total £36,195.78 £22,270
EF £2,210
HF £1.062 -
Ah im sorry you've been feeling out of sorts. New hair sounds good though! And the decluttering!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2
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