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Fresian's Final Push...Mooooving Towards Freedom
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Regular readers will remember my ill-fated attempt to live on £8000 this year. I think that this failed round about June
I'm going to try for £9,000 next year. This is excluding my mortgage but so far includes....
Council tax
Gas/electric
Home insurance
Tellybox and interpipes
TV Licence
Mobiles for me and Mr Fresian
Bus pass
Christmas/birthday spending
Union dues
Repayment to Mama Fresian for my student overdraft
Entertainment
Food
Does anyone have any immediate ideas about what I've forgotten?
Thank you kindly Best go and find my shoes...
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Come on Fresian
YOU can do it !!!!
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flying_fresian wrote: »Paw and Brother are going to the rugby later (where I'm sure Scotland will be beaten by whomever we're playing)
Its been a long day so far here - pipers and hangovers do NOT go well. Add vuvuzelas (sp????) into the mix too... *sob* :doh:I'm glad the match is underway... its far quieter! We even seem to be winning at half time! :eek: :rotfl:
What about...
Haircuts,
Prescription costs,
Dentist costs,
Toiletries,
Charity,
Clothes & shoes,
Exercise,
Holidays / Travel,
Accidental (everything else you forgot to add!
)
Can you guess I've been trying to set a budget for next year too!:rotfl: I think I need to win the lottery to make it balance! :rotfl:Mortgage free as of 12/08/20!
MFiT-5 no 45You can't fly with one foot on the ground!0 -
You will do it
With you on shopping on a Saturday :eek: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 -
Who are we playing BTW?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 -
South africa... somehow scotland is winning 18 - 12... 66mins gone!Mortgage free as of 12/08/20!
MFiT-5 no 45You can't fly with one foot on the ground!0 -
Excellenty 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 -
What about...
Haircuts, Would come under "other"
Prescription costs, Ditto, I'm pretty healthy
Dentist costs, I pay for this out of my salary
Toiletries, Included under "food" as this covers all household bits & pieces
Charity, Begins at home
:o
Clothes & shoes, Oops, shall add to the sheet
Exercise, I don't really:o:o
Holidays / Travel, Hmmm....good point, although I will probably PAD towards this out of my excess funds
Accidental (everything else you forgot to add!) :rotfl::rotfl::rotfl:
Can you guess I've been trying to set a budget for next year too!:rotfl: I think I need to win the lottery to make it balance! :rotfl:
My thoughts are above
Papa Fresian and Brother Fresian are at the rugby at the moment. I suspect they're pretty soggy!
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Pah to chuffing interest indeed! So close though!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Does Scraps figure in next years plans????? If so you'll need tax and insurance and an MOT and fuel and parking and breakdowns and breakdown cover and a fluffy dice fund.Saving for a Spinning Wheel and other random splurges : £183.500
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