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Let's get this sorted then!
Comments
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Good to see the back of the storage unit, and good luck with the job application"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 McGee1
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What a week! I'm exhausted but in a good way. I really need to make sure I rest and recover this weekend though.
Storage unit mostly emptied. I just have to go back and clear out a few bits of rubbish.
Job application is in.
I've been nursing an under the weather chicken in my kitchen. She seems better today. It might have been the shock of below freezing temperatures and her first winter outdoors.
I had a busy but enjoyable time at the conference. Only one very expensive parking out of my pocket, the rest was either free or I can claim back from work.
Friend took his hoover back so now I can put up a Christmas tree in that space.
Today is payday so I need to sit and work through my outgoings. I've transferred my wages into my coop account for now to get the switch bonus.
Odd job man came to put a blind up but couldn't. He'll try again Monday. He did remove an internal door and take it to the tip for me.
The nurse got blood out of me on the first try this morning! Amazing! I also had my asthma review and my peak flow test was way above average. I'm really pleased with that as I've been trying to do more breathing exercises lately.
For now, TV (while I still have one), tasty food, and I'll do my weekly finances.Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.993 -
Hope the chicken feels better soon 🤞I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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She's jumped on the sofa and terrorised the dog this evening so I'm pretty sure she's feeling better
Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.992 -
Glad your friend has collected the hoover, things like that can get so annoying! Especially when there's a Christmas tree to look forward to 😊3
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The Christmas tree is up! It's not decorated yet, but it is up and it's in place. First time in 5 years I've had a tree I think.
Tonight I need to sit with my paper and pen and plan out my wages and spends for the month. I've dipped in to the wages already, even though I have been trying not to until the 1st of the month, but the dog food shop is not open on Mondays and that's the only day I had any free time this week to stock up. Let's get planning before any more is spent.
In other news, the changes to Experian mean that for some reason I'm showing as having a really good credit score. It's obviously a mistake as I'm 'very poor' on MSE and Karma. I know it's low at the moment because of the switches I've done, and I was poor or very poor on Experian until they changed their score range. Very strange. I know they don't really matter, but I still like to check them and keep track as I like to see how the things that I do impact them.
Last night I got a bit too excited and started my word document for debt repayments 2026. I am really looking forward to seeing how far I've come over the year. I have a graph for each quarter of my goal trajectory and my actual debt figures week by week. Such a geek! Once the figures for week 4 of December are done I'm going to make a year graph. I think I'll make an evening of it somewhere around the end of December or start of January, and make it a mini celebration.
I'm still feeling tired from the week, but it's the reasonable amount of tiredness from a busy week, not the awful fatigue that I usually have. I am very grateful that my body is staring to heal again from the recent covid, and I continue to be grateful for how much more I can do now, compared to just a year or two ago.
Just like my financial recovery, my physical health and mental health is making slow progress, but it's still progress. And I'm learning good habits along the way.
I usually hate this time of year, but I'm not feeling too grumpy/anxious this time (apart from my usual wildly swinging hormones of course).Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.994 -
My wages are all planned out and I've started moving the money around. The rest will happen automatically tomorrow.
Today has been mostly house chores but I did also pop to a friends house and was gifted my favourite cheese 😍
Whilst I am (as previously mentioned) very grateful for how much more I can do, I'm starting to doubt I'll ever actually have a clean house while I work full time and have pets.
I've done a little bit more decluttering but I don't count stuff until it leaves my house, so I can only count a load of cardboard, a top with a hole in, a bag of hangers, and a glass I just broke.
I'm thinking about tightening the belt for a few months in the new year and trying to make a big dent in those credit cards.Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.992 -
There are different levels of cleanliness, if you want your gaff to consistently look like an insta photo then no that is not going to happen if you're living a real life.
But since you're working incredibly hard to get other people's stuff out and to have less needless clutter through listing things for sale, your home will be right for you very soon2 -
Oh cleaning is a never ending task. Like running on a treadmill it never blooming ends
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes1 -
I have packed up enough stuff that I can now see floor and move from the front door to the dining table and sofa with ease! I'll finish clearing the spare bed for the dog to sit on before I go to bed. Two large boxes of stuff packed up though. The end is in sight.
At this point I'm thinking I might just stick dog fur to the floor on the stairs and landing and pretend it's very fluffy carpet 😄Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.992
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