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Skint Spice's journey to being less skinty and more spicy
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Fingers crossed your OH is mistaken! mind you man flu is always bad or so I've heard...Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
It's likely as two lads from his course have it... Oh well :rolleyes::heartpuls
:heartpuls
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hope he gets a mild dose then.
I have just ordered a personalised card for DS's dad from M&S for the bargainous sum of 49p! complete with his pic and everything! love these boards...
eta - that was a pic of DS I meant not his dad!Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
skint_spice wrote: »Hello... yes, I am now officially debt free :jbut not sure I've learned anything:o! I want pretty things and holidays:o! This is part of the problem with budgeting so hard for so long that I've frittered away loads already (on a very tight month) on stuff like makeup and foodie treats and I've realised I need to calm down a bit or I'll never achieve the things I really want.
So this time next year I must have saved/done up flat and be in a position to go somewhere with DS that's on my "see before I die" list and not just a last minute getaway cos I'm bored. It's a long list so hopefully there's somewhere relatively cheap in there!
Please help me stay focused and don't let me get back into debt cos I can hear my CC calling me already "come to Greece tis cheap and you'll be DF again in no time..."
Just reminding myself of the point of this diary and refocusing:o:D:rolleyes:!
While I've not got myself back into debt :jI need a slap as I've not saved as much as I should have either:o. Now christmas is coming and I need new tyres and my car serviced so it's not looking hopefully for huge savings this month or next:o!
I won another £10 on BB today and have ordered DS's dad one of the half price picture mugs from Mr T's that we'll fill with his fave sweets and do up in cellophane and make look posh so one pressie sorted...
Back to ebaying this weekend too and might even start some decorating...Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
and the mug has tracked already giving me another 34p back!
OK, new challenge is to have a neutral spend xmas...currently I am £60 up on the bingo so probably about another £190 to find - yikes:eek::eek:! Still even if I fail I will have made back some of the money. Wonder how much is in that sealed pot... I'm guessing not much but will leave it until end of Nov before opening so might manage to stick a few more pounds from the shopping budget in it.
Back to ebay... at least five items this weekend:rolleyes:.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
I am totally neutral for Christmas so far, and i have vouchers too..all thanks to tips from last year. Which reminds me off to Grabbit board.Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
Still lurking around with a hope of some salvation:cool:0 -
I was much better last year and the year before Bob but becoming DF has made me a little lazy:o...
Which reminds me... I really need to go dig out info and swap fuel suppliers! Did the checking out yesterday but stopped short of signing up, no I don't know why...Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Off out tonight to friends, have wine already and we're picking up a takeaway on the way so should be a nice but cheap night:D.
Today I have tidied flat, meal planned, shopped (including DS xmas gift), done ironing, washed more clothes but feeling quite on top of things. Didn't do any work - oops - but will catch up tomorrow:D.
Personalised card has turned up already...v speedy service for 49p!Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Enjoy your night
You coming to Edinburgh?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Have a good night
:heartpuls :heartpuls
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