Goals, hopes and dreams

itsthelittlethings · 2 May 2025 at 2:47PM

I had an appointment with an HSBC financial wellbeing advisor this morning which I think is another name for a financial advisor. She told me I could borrow 115k roughly. Unadvisable I think.

itsthelittlethings · 3 May 2025 at 3:32PM

Having a lovely holiday already. Am feeling 50% less stressed already. We cooked a lovely stew last night and had a lovely active morning this morning. I want to do my knitting but I need some new needles. It’s going to get colder. I must help my mum do some jobs around the house.

itsthelittlethings · 3 May 2025 at 4:30PM

Just listening to my favourite World music show on radio 6.

itsthelittlethings · 3 May 2025 at 6:01PM

Just drinking some fizzy water. Going to try and persuade my mum to watch a film on Netflix after dinner. French or Chinese I think.

itsthelittlethings · 5 May 2025 at 4:58PM

I’m feeling really ground down from working. I’m getting to the point where I don’t feel fully recovered on my holidays. Advice from anyone who has managed the elusive work/ life balance very welcome!

itsthelittlethings · 5 May 2025 at 5:10PM

I only did one unit of the PA course as it was narrated by AI. I found it very uninteresting.

Anyway I’m going to start a new diary in the debt free section as I now have some debt again.

[Deleted User] · 16 February at 11:03PM

https://forums.moneysavingexpert.com/discussion/6593080/goals-hopes-and-dreams

https://forums.moneysavingexpert.com/discussion/comment/81348308#Comment_81348308

Hi @itsthelittlethings

Have a re-read of your posts and compare your situation now to nearly a year ago.

In March 2025 you had approx £1400 over two credit cards and £2750 in savings but then you paid off the credit cards with savings, not sure what happened to the balance of savings?

In Feb 2026, you have £1910 in credit cards and overdraft, £100 in your emergency funds, no other savings. Poss more in the overdraft as you mentioned using the wrong card when paying £18 for lunch in your other thread.

Even if your overdraft is free, it's not a good idea to think of it as extra spending money until payday, which is how you seem to view it.