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Plodding Along
Comments
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DD is happy to be a solo traveler and strongly recommends doing a food tour early on as you will find good to eat places along with tourist attractions you may like to revisit. It also removed the need for at least one meal.June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest1 -
That sounds right up my streetCurrent No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20300 -
I have accidentally overpaid the credit card which I wanted to close. I received a new card with a 0% interest rate so I'm closing the old card. I have contacted the bank through chat so awaiting a response of when the money will be moved back to my debit account so I can then close the card and the savings account.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
That's the overpayment back to my debit account. It was faster than I expected, so that's nice.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Today has been a hobby day, trying to finish a cardigan I started at the beginning of the year. Then dancing class later which I paid for in advance so it's going to be a free day. I also had reduced price pain au chocolate for breakfast, olio bread for lunch and its batch cooked chilli for dinner that I made last week.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
Whats Olio is it abit like Hello Fresh/Gusto etc
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No, it's free food that stops supermarket food waste. It's normally things that are best before the date that it is listed. Food Waste Heroes (FWH) collect from the shop, list it on the app and then you collect from them. It's mostly bread and bakery products, or veg but there are loads of things on there.Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20300 -
Sustainable free
Sounds good.
Did you decide what to do on the cc front?0 -
I closed the old one after getting a refund of the over payment. I might see if I can change the statement dates on the 2 cards I have to the 1st of the month and set up a DD to pay off the statement amount each month, alternating which one I use.Scott_Weiland79 said:
Did you decide what to do on the cc front?Current No Spend Challenge: 9/13
2025 No Spend Days: 114/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20300 -
I would if were me depending on what you owe set it for a fixed amount. Then if you wanna pay extra do it as a bill payment.
Most credit card companies will let you change the date but there could be additional interest added.
Theres normally always the option to pay
minimum
full
or a payment amount of your choosing
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