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Debt, Diet and Decluttering - The Lifetime Diary

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Comments

  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 793 Forumite
    500 Posts Third Anniversary Photogenic Name Dropper
    So some good news!

    Getting a refund of £123.00 for student loan deductions, I don't earn over the threshold so they are sending me this in the next 3-5 working days. 

    Plan for this money is to add it to my lodge savings account. I usually go twice a year and have a week booked in November 2025 and March 2026, these are both paid in full so I've started saving for the next one. 

    I've got £310.00 saved so far so will add the refund to that. 
    Debt Free - 4th June 2025
  • jwil
    jwil Posts: 22,288 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I was the same with the job uncertainty, it's so unfair when it's all dragged out.

    Great news on the refund!
    "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
  • BlueJ94
    BlueJ94 Posts: 2,951 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Evening @_Dolly_Rocker_ I haven't read your whole thread yet but plan on catching up, I saw @powerspowers comment about takeaways, I found a recipe of greek yogurt and self raising flower and it makes bread rolls, naan breads and pizza bases! As simple as that and takes seconds to make! 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 793 Forumite
    500 Posts Third Anniversary Photogenic Name Dropper
    edited 29 August at 9:44PM
    @jwil - this seems like it's gonna drag into 2026 and maybe beyond. Already struggling to sleep at night. 
    @BlueJ94 - Oh sounds interesting. Gonna get a new notebook out to track daily weight and food intake and will charge up my FitBit.
    Debt Free - 4th June 2025
  • September Goals
    Make one mortgage overpayment
    Only shop for needs not wants
    Meal plan and stick to budget
    Add to savings
    List 12 things for sale on Vinted
    Lose 14lbs
    Debt Free - 4th June 2025
  • Just had a wee 20 minute tidy of the kitchen. 

    I'm absolutely awful at keeping up with housework then it gets to a point I'm so overwhelmed that everything needs to be done I could cry. 

    I'm going to get the place tip top by the weekend then it's gonna be living by the mantra 'Don't put it down put it AWAY'.

    I'm going to finish off a bit of work then do another 20 minutes. 
    Debt Free - 4th June 2025
  • So most of my bills are paid, just need to check a couple of the insurances and a mobile bill which I'm sure go out at the end of the month. 

    Going to try and add £100.00 to my savings account today once I've checked the funds. 

    Hoping that I'll be due a £50.00 cheque soon from Y Live, feel like I should be getting there with the points. I'll log in and check that later on too. 

    Gonna do another 20 minute kitchen clean and sort my laundry out. 
    Debt Free - 4th June 2025
  • Okay to checked the points and I'm at 38. Another 12 to go so hopefully can get that up for a payment in October. 
    Debt Free - 4th June 2025
  • Right kitchen almost done. All the counters cleared and wiped down. Hob wiped down, just need to add the top bits back on when I've cleaned them and do the floors. 
    Debt Free - 4th June 2025
  • jwil
    jwil Posts: 22,288 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with your targets.  I'm the same with housework.  It feels so much nicer when I'm on top of it too!
    "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
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