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Debt, Diet and Decluttering - The Lifetime Diary

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  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 733 Forumite
    500 Posts Third Anniversary Photogenic Name Dropper
    Morning all, 

    So back to almost full health which means the decluttering and getting my house nice and tidy is back on!

    I'm supposed to be in the office today but I've switched to WFH so I am going to try and get as much housework done during my work day as possible - cheeky I know but everyone else is off on holiday and if I get any quiet spells then I shall tackle a little bit at a time. 

    Just realised that it's getting to the time of year for renewing B&L insurance policies so logged in to check the expiry dates and for some reason their policies aren't on my online account - cue the panic that I instantly thought I had forgotten to insure them! Checked my bank account and I'm paying a policy for each of them so I'll call the Co-Op later and try and get access to that. 

    I've got a meeting in a few so having a quick cuppa before that starts. 
    Debt Free - 4th June 2025
  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 733 Forumite
    500 Posts Third Anniversary Photogenic Name Dropper
    Wow it's been a while since I posted!

    Still been paying off as much of the debt as I can. 

    Debt will be PIF by October 2025 - hopefully I can get this gone sooner but we will see!
    Debt Free - 4th June 2025
  • twiggy86
    twiggy86 Posts: 2,661 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Woohooo!!!!!
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £6,670.00
    Total paid off - £8,930.89 (57% paid off)
  • Four_Seasons
    Four_Seasons Posts: 912 Forumite
    Fifth Anniversary 500 Posts
    Amazing a very well done 👏 xx
  • Well done on becoming credit card debt free. 
  • Sarahwithlove
    Sarahwithlove Posts: 3,309 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    That's great news well done 
    *Dad loan - £5300 - £7400
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0

    Barclaycard - £2315.25 - £0.00

    *Total debt - £7400/£10680.85*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • vampirotoothus
    vampirotoothus Posts: 353 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Fabulous, congratulations V x
  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 733 Forumite
    500 Posts Third Anniversary Photogenic Name Dropper
    Why is it always 1 step forward 2 steps back. 

    Just found out today we might be getting paid off due to our roles being automated - thanks AI!

    If it does happen it's not likely to be until at least January 2027. 

    I'm gonna need to speed up the mortgage paying in preparation because if I lose this job I'll struggle to find something with the same flexibility that allows me to be home most of the week with the dogs. 

    If I end up with something that I need to be out 5 days a week I won't be able to afford to keep the dogs - absolutely no way are they going anywhere. 

    I'll need to look into takeaway deliveries or something to plan around them. 

    Seems like a forever away problem but I'm already stressing. 
    Debt Free - 4th June 2025
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