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Frugal Fresian's 2010 Adventures

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Comments

  • There is no way you are talking to yourself

    Its more like your fantastic budgeteering skills leave us all silenced!

    Even if you were though, at least you always be right!:)
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • Auntyem
    Auntyem Posts: 234 Forumite
    Part of the Furniture Combo Breaker
    Well done FF on the sub 4k, definitely not talking to yourself - love your thread, please keep posting :D
  • Hi Flying Fresian - I've been feeling a bit down lately - also to do with work - it must be catching :rotfl: and also been a bit under the weather. Anywho am battling back to positivity and a more energetic me and I now have the envelope and the vouchers together to send to you - they run out in June this year :eek: Am sure you can spend them before then though ;) I'll be at the post office Monday so they'll be with you this week. I'll miss your posts when you are debt free! Take Care
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • Primula
    Primula Posts: 953 Forumite
    Definitely keep on posting. We all love your diary even if we don't say a lot!
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    *waves at FF* - sorry, did you say something?! :D

    :rotfl::rotfl::rotfl:
    I'll miss your posts when you are debt free!
    I think that when I have no more debt I will wander over onto the Mortgage Free board, so I suspect I'll be around for a few years yet :eek:

    Thanks for the support guys *hugs to all*

    I think that because I'm sub-4k now and it's all downhill from here etc, I've been getting disheartened for some reason. I'm just bored of living like this, counting every penny and being really dull about money. If I don't who else will though?

    I'm also getting quite "meh" about having a lodger again. I like my own space and don't necessarily adore Mr F's sister, so this isn't an idea I would have gone for myself. Harrumph.

    On the plus side, I saw a friend I haven't seen for over a year tonight and got to eat chips, so woo for the weekend. Hopefully normal perky Fresian will return soon :D
  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Any idea how long you will have your lodger?
    Sorry my memory is shocking:rotfl::o
    Lodger money alone from now to Dec is £3000 as you know so only another £1000 to find:D
    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.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    beanielou wrote: »
    Any idea how long you will have your lodger?
    Sorry my memory is shocking:rotfl::o
    Lodger money alone from now to Dec is £3000 as you know so only another £1000 to find:D
    Ideally she will have moved out by the end of November as I turn 30 in December (:eek:) and don't want to still be living as someone's flatmate when that happens. I'm not so bothered about being 30, but having achieved none of the other milestones I expected to achieve at 30, I would like to NOT be a flatmate :rotfl:

    I have been able to save at least £100 a month since previous lodger moved out, so don't see why this shouldn't be the case when the new one arrives. I am very hopeful about being debt-free by the end of the year, mainly because all her rent is going into the savings account, meaning that I'm not relying on it but using my frugal wits instead :D
  • Hopefully normal perky Fresian will return soon :D

    Perhaps a pamper session is called for? S&G and similar stuff is a great mood booster in my experience! :D
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Excellent.
    I know what you mean about counting every penny though & if I dont do it no one else will.It gets really wearing though.
    Had a major debate withj myself today could I afford a pair of £12 wellies !!!!!!.
    Is this what my life is reduced to?
    Sorry, Ill slope off now
    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.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    beanielou wrote: »
    Excellent.
    I know what you mean about counting every penny though & if I dont do it no one else will.It gets really wearing though.
    Had a major debate withj myself today could I afford a pair of £12 wellies !!!!!!.
    Is this what my life is reduced to?
    Sorry, Ill slope off now

    My budgeteering crisis has been brought on by buying £30 of makeup this month. A lot for two items, I agree, but takes me over the £24.99 "everything else" budget in the frugal challenge. I have paid cash for them, not getting into any additional debt. The annoying thing is that the blusher stuff will last for 6-9 months and the eyeshadow for longer still, but I'm continuing to beat myself up about it. There has to be a middle way!
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