We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

My diary... becoming debt free whilst still having a life!!!

1131416181991

Comments

  • PS I love your diary Ruby!

    Thanking you kindly my dear cyber friend.

    xx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • Hey Ruby it is i, i changed my name because i felt my old one gave too much of my identity away eeek..... diary is looking goood :D hehe the baskets sound great :D xxx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • Hey Ruby it is i, i changed my name because i felt my old one gave too much of my identity away eeek..... diary is looking goood :D hehe the baskets sound great :D xxx

    Hi, is that A & J?? that was?
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • http://i147.photobucket.com/albums/r295/willit15/Mockupbasket001.jpg
    http://i147.photobucket.com/albums/r295/willit15/Mockupbasket002.jpg
    http://i147.photobucket.com/albums/r295/willit15/Mockupbasket003.jpg

    OK here goes, I hope the above links work. I have attempted to put a basket together with the stuff I have so far and it doesn't look too bad.
    The actual baskets will be shallower, hence the second picture with a towel in the bottom!!

    Bit of a pink, girly theme.

    I forgot to mention the prices:
    Bath bombs £3.75 for 8 (eBay)
    Bath Lillys- these are bodyshop really lovely ones and I was luck to get 6 for £4.15 (Ebay)
    Cello and bows - £5.68 (2 rolls and 10 bows) (ebay)
    muffin cases - £2.65 (ebay)
    socks 50p each tesco
    make up brushes £1 each tesco
    compact and brush - cancer research 99p
    car air freshener - 99p (cancer research)
    tissues 99p for a pack of four (tesco)
    face mask 4 for 3 at superdrup 89p each
    6 white flannels £4.89 (ebay)

    all the above is total cost including postage, so don't feel like it has been too expensive yet. The trouble is now I have started I could put so much in!! and I have to stop myself buying things that are expensive because I need six each time.
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • yes it is a and j, just heading out the door to work will catch up late rkeep up the good work xxx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Ruby the baskets are gorgeous ,I think its such a good idea I love the pink theme. :T I was thinking of you whilst I was in home bargains today ( dont know if you have one near you) they are selling lovely pink pens that have a picture of a cat on for 19p! they are RSPCA ones and look really good quality. the RRP is £1.99 I think

    I managed to get the cheque into the bank without being hounded by bank managers:rotfl: couldnt find anywhere to post it though ( had to go the counter) it is only a small branch , maybe thats why.
    hope everyone is ok xx
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hey Ruby it is i, i changed my name because i felt my old one gave too much of my identity away eeek..... diary is looking goood :D hehe the baskets sound great :D xxx
    I know that feeling - I am paranoid since I've put a lot of info on here - oh well...

    Ruby on the baskets - send off for a load of freebies from the freebie board, ask for magazines from friends and strip out all the free samples. I personally wouldn't go for identical - also have a look what you've got in your house already that still looks new that you would be happy to do without..... Try a journal in a jar perhaps or jar of interesting facts etc... I am recycling coffee jars currently and jazzing them up with ribbon, stickers or putting the facts on pretty paper in the first place....

    I did a hamper for a 40th birthday http://forums.moneysavingexpert.com/showthread.html?t=309335&page=196

    I think it looked lovely but it probably didn't cost as much as you are planning to spend.... Everybody was really impressed at the party I took it too.

    I'm sure you'll do fine. I gave my mum a hamper... her reaction "I thought you said you were on a budget and had no money" - I think my new spend had been about £4 although admittedly it was probably worth about £20 plus....

    Hi Belle and Cas...

    I've just gone through the freebie pages - got some more free make up on the way, signed up to be a book reviewer so I can get some free books, got some free personalised spoons coming, glasses etc I love this site:money: My next "basket" is actually going to be a mixing bowl cooking set for a little girl.

    By the way - I've managed to absorb the costs of packed lunches in my normal shop which I didn't think was possible. So I am saving £20 a week just there. Also last night I used mysupermarket for the first time - I joined through a cash back website so I get points too. It tells you where your shopping would be the cheapest between Asda, Sainsburys, Tesco and Ocado - Asda was by far the cheapest - on a £70 shop it was £20 cheaper than Tesco and £60!!!!! cheaper than Ocado! Now that's what I can shocking!. It also gives you ideas of where you can downshift brands or calories to save money and or fat! I thought it was fab - some of the offers I would never have noticed in-store. I saved £10 on multi-buys plus another £4 by downshifting where it suggested.:j
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PS I am also starting a mini-box of Christmas goodies for myself - so far I have 2 free books, a dvd using my £5 play.com winnings from quidco, plus a £3 top in the sale, when I get my psychologies magazine subscription - effectively free through cash back - that's going in there as well. I want a hamper! So I'm giving OH a head start as he is useless at things like that!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    OMG SH / Ruby you are so talented I am seriously impressed I have had a quick look on the basket thread - some fab stuff on there. I really enjoy hearing about what you do

    YB you ok?
    cas x
  • Ruby
    Those baskets look fantastic - I tried to look at work but they were banned!
    Thanks for asking Cas - I'm fine now it's FRIDAY!!!!! Hurray. Am in pjs already but remembered am expecting shopping delivery - oh well - I expect they've seen worse lol :rotfl:
    SH I like the idea of starting DHs Christmas shopping for him. I always drop hints and usually get almost, but NOT QUITE, what I asked for! After looking at your basket I spent ages trying to find a cello - what could it be I thought, I know musical people and it might be interesting to do a music themed basket . Then I realised, celloPHANE. I'm so dense sometimes :rotfl:
    Have great Friday night all
    Belle
    Getting there...slowly! :D

    GC : must do better
    NSD: very rare

    No matter how slow I go I am lapping everyone on the couch.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.