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The Little Cottage by the Sea

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  • BrimfulofSascha
    BrimfulofSascha Posts: 49 Forumite
    10 Posts Name Dropper
    In all my sorrow I forgot the positive money news for the weekend.

    I had my pet insurance renewal come on Saturday, They wanted to put it up to £27.69pm for each cat. I said no thankyou, went via TCB and got new insurance for both cats for £27.32...and £65 cash back. Although the referral hasn't registered on my dashboard for TCB, I shall be miffed if it doesn't pay out.
    Unsecured debt at Worst June 2024 - £47,772.48
    Current unsecured debt April 2025 - £33,449.27
    Debt gone forever - 10 months - £14,323.21 (30%)
    Debt free date goal March 2027

  • rachmac3
    rachmac3 Posts: 374 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    You can totally do this! 
    It's all part of the learning I reckon. The guilt won't get you anywhere but the learning will. 
    We definitely need to have some nice days in amongst all this hard work or we'll give up or lose the will.
    Fantastic news on the pet insurance! 

    Debts                 04/01/25        02/08/25   

    Tesco CC          £6,509.97       £6,030 (now NatWest2)
    NatWest CC      £7,612.74      £7,080
    Lloyds CC          £6,112.60      £5,075
    1st Direct CC     £176.03         £19.92
    CC total             £20,411.34   £18,204.92
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,246.15
    Total                  £36,195.78   £31,451.07
    EF £400.56
  • BrimfulofSascha
    BrimfulofSascha Posts: 49 Forumite
    10 Posts Name Dropper
    Good morning loves,

    Still feeling a little maudlin today. So I don't think it's just the over spending. Maybe the rain, or hormones, or a little bit burnt out...or maybe this is just what it feels like being a 30 something solo parent with a mortgage, long commute and a busy job. haha

    It will pass.

    I've got a couple of money things in the pipeline, but not guaranteed. It's hard not to spend my wins (on debt) before they materialise. I wanna see those numbers change so much!

    Yesterday was a NSD, but today can't be, toothpaste has run out and that's a definite must spend. Will pick up milk, potatoes, cheese, and tinned tomatoes to help make something out of what is left in the kitchen. I had my breakfast at work today (hot cross bun, nice coffee and a banana), why does free stuff taste so much better?! Last nights slow cooker curry was disappointingly bland and lacking in texture, beggars can't be choosers, we have the same for dinner tonight.

    One whole month back in diary land, it feels like longer. It has made me focus very strongly on every financial decision and force myself to be more honest with my choices, but I feel like it has me wishing the months away. Hopefully as I get in the swing of it I'll find my rhythm.

    Thanks for the words of support. Here's to more cheerful updates to come.

    Love and light
    Sascha


    Unsecured debt at Worst June 2024 - £47,772.48
    Current unsecured debt April 2025 - £33,449.27
    Debt gone forever - 10 months - £14,323.21 (30%)
    Debt free date goal March 2027

  • doingitanyway
    doingitanyway Posts: 9,965 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry yesterday was a bit meh. You have a lot to deal with but you are progressing well.

    Haha to free food tasting better, so true

    My tip when making curries in the slow cooker is not to add water. It won't burn if you have veggies in there and even meat has a bit of water.
    I used shaved coconut block. You can disturb it halfway, give it a stir and if you are worried about moisture add it in then.
    Also, even in a slow cooker, don't overcook.
    Hope the next one is better

    You'll find your rhythm!
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Good Morning Loves,

    MIA for a couple of days a s there wasn't much to report. Still not much to report, but I likely won't log on over the weekend. 
    I am so glad it's a long weekend. I'm feeling a bit done in.

    Tonight I have a run and a training session. I've been lazy so far this week, all I've done was a vinyasa class on Monday.

    Not many plans over the weekend, tomorrow we have dinner out with a group of DP's friends. It is his turn to pay as I paid last time. So should be no spends (good! I have no money).
    Saturday is my usual sports training session. Should probably do a long run Sunday.
    DD has smashed her phone screen completely, despite a case and a screen protector. I will have to scrape some funds together for a repair this weekend so she doesn't end up with a hand full of splintered glass.

    We do have a voucher for an activity that I got for Christmas so might see if DP wants to book that so we can have a date night, it's been a while. No idea what DD's plans are, most of her friends are on holiday this week. The joy of living in an affluent area and two income families. Must not be green eyed about it, we do ok. Better than most in fact. This debt situation won't be forever. It's payday less than a week away. Progress is within reach.

    Feeling a little more joyful than earlier this week, not 100% myself though. I guess it's just the 'waiting' feeling of debt repayment and the secrecy of it all. I feel like I'm just waiting for my next chapter to start. I am trying not to compare myself to others. It's pointless, I don't know their full story.

    Here's to a restful weekend.

    Love & Light
    Sascha
    Unsecured debt at Worst June 2024 - £47,772.48
    Current unsecured debt April 2025 - £33,449.27
    Debt gone forever - 10 months - £14,323.21 (30%)
    Debt free date goal March 2027

  • rachmac3
    rachmac3 Posts: 374 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    I hope you're doing well Sascha, and you're quiet on here because you're off doing fabulous things!


    Debts                 04/01/25        02/08/25   

    Tesco CC          £6,509.97       £6,030 (now NatWest2)
    NatWest CC      £7,612.74      £7,080
    Lloyds CC          £6,112.60      £5,075
    1st Direct CC     £176.03         £19.92
    CC total             £20,411.34   £18,204.92
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,246.15
    Total                  £36,195.78   £31,451.07
    EF £400.56
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