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Let's get this sorted then!
Comments
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I am having a very busy week trying to catch up on the work backlog. I really need to get on top of it all by the end of the month so I can have the first week of March off without worrying about it. I plan to work Monday Tuesday Thursday evenings on the backlog. Wednesday evening yoga and relax, Friday evening Chinese meal out with friends and relax. Saturday and Sunday chores and one of the many Outstanding/Overdue Annoying Tasks. Either my business tax and closing it all down or sort shipping for the boxes in my living room. So either way it'll be a big brain draining task.
I've increased my pension contributions. I would really like to know what my next wages might look like so I can start planning. I want any spare cash to have a home waiting so I don't get tempted. Best I can do is an online calculator and a pen n paper.
I was going to make patatas bravas for dinner to use up homegrown tomato sauce from the freezer and a Christmas potato but I accidentally smashed my paprika so I had it with pasta shells instead. Very old pasta shells that also need using up.
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.764 -
De-lurking to say i found this useful when i decided on my pension contributions:
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Ooooo I've had a quick play about with the figures and I think I may be able to pay £1,000 off my debts each month. Fingers crossed it all works out that way. It would be absolutely delightful to get the debts under 20k by the end of the year…. in theory I could even get them to 18k if the stars align! That would definitely make all this extra work worth it.
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.766 -
That would be amazing!
"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 -
Trying to not get my hopes up too much @jwil, but it would be very amazing!
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.762 -
Despite working late 3 nights this week I have found myself further behind than I was at the start of the week. This week sucks. I have a 2 hour minimum drive each way tomorrow for work, and I have to plan/prep the training tonight before I can go to bed. My eyes are burning and my body is screaming at me. I have made myself drink 2 litres of water, had some veg for tea, and went to yoga even though I really wanted to cancel. Hopefully I can get this prep done by 10pm and get an early night.
This weekend may be spent in bed.
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.765 -
Hope it isn't too late of a night for you, sometimes it is frustrating as you feel you are putting in the extra hours but not seeing the benefit. Please be kind to yourself and make sure you rest too.
2 -
Why do you feel you've got behind? Is there anyone you can ask to help with anything?
Absolutely spend the weekend in bed if you want/need to
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael2 -
Doing 2 jobs Pip, the old one and the new one, until my replacement starts. And for the last few weeks I've been doing 2 jobs in 4 days as I've taken Fridays off to do a paid second job. It's meant I've crammed all my meetings and visits into those 4 days and my emails, notes, reports, and prep have had to be done in the evenings. Or not done when I've been too exhausted. And I've refused to do it on a weekend. Added to that I've had a new assistant start who's learning the ropes so needed me to do more and show her how to do things.
I feel much better today than I did yesterday, I had the best night's sleep I've had in weeks.
I started feeling a bit spendy today. Probably because I'm tired and want treats. I did buy a replacement mascara because mine is 18 months old 🫣 and a lip liner just because. And then I booked my car into the garage to get the brakes done before I spent the money I'd put aside.
Disaster narrowly averted!!
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.764 -
I did not have the productive wfh day I had planned. It was very productive in terms of outcomes, but not productive in terms of the massive admin backlog I have.
New brakes cost me 50quid less than I was quoted, which is a relief as that was £90 more than I'd put aside 🤣
Bad news is the tortoise has hurt himself and there are no tortoise vets within about 40miles. He seems ok, just bleeding on his head, I think he's been climbing and somehow knocked a scale. I've cleaned him up, and a friend has some tortoise friendly antiseptic I can borrow, so I'll keep an eye on him, keep the wound clean, and decide next steps tomorrow.
I think I'm going to write off the rest of the work day and do a couple of hours on Sunday.
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.763
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