We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
Let's get this sorted then!
Comments
-
@Dakota_rose I'd heard about them. Because I like to dream about life once the debts are gone, sometimes I read the MFW posts and watch YTube videos about pensions and investing. Pete Matthew popped up on YTube, maybe because I know his brother IRL, and he was talking about a bridging fund last week. Hopefully I'll remember that when the time comes for me to think about it!
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 -
This is a ridiculous amount of seeds for one person with an average terraced house garden 😁
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 £1.064 -
I'm just catching up on your diary as I have been having some time away from the laptop.
Well done on paying off 25% of your debt. It's good that you are starting to think about the future and putting money into a pension.
As a seed person, I'm not sure that is too many seeds 😊. Hopefully you are able to get out in your garden to prepare it for the year ahead.
2 -
not sure about there being too many but am impressed by the organisation
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#latest2 -
Wonderful organisation and lovely seed packet designs
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) 25/07/20252 -
One of my personal challenges this year is to do more gardening - those seeds are inspiring!!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
I love your seed storeage. Am I the only one intrigued by what you have in Unusuals… Triffids perhaps!
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
July NSD challenge 6/10
July AFD challenge 1/142 -
@LzzyIsGod if you want any let me know, I'm going to have to start binning some that are getting old and not getting used up.
@Wanna_Bee_Free it's a photo storage box! In unusuals I have electric daisies, beef & onion plant, cucamelons, chinese violet cress, and red amaranth 😃
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 -
🤣 I start off so well and enthusiastic and then forget to water them!!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes2 -
I tend to only grow things that can cope with a bit of neglect 😆
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 £1.061
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.1K Banking & Borrowing
- 254.6K Reduce Debt & Boost Income
- 455.8K Spending & Discounts
- 247.8K Work, Benefits & Business
- 604.9K Mortgages, Homes & Bills
- 178.8K Life & Family
- 262.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards