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Fresian's Free Of Debt (Woo!) Now, to stay that way...!

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Comments

  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    A swift post while I wait for She Who Must Not Be Named to get out of the bathroom ;)

    Moneymaking

    £15 received from Reward accounts this month
    Sending Mr F's phone off tomorrow for a tasty £39 from Mazuma + 75p cashback
    Dell have validated my cashback super-quickly making a total of £104.76 sitting waiting to be received at some point (hopefully soon!!)
    This weekend shall see Saturday being a blitz of housework then Sunday being a blitz of cardmaking and hopefully they will make me a bit of money too...

    Hope all are well. Can't wait for Friday...:D
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Money

    PAD/Spends - £130
    Entertainment - £48.99
    Groceries - £115.05
    ISA Savings - £810.04 :D
    VSP - £176.94

    19 days until payday so that's looking pretty healthy. The frugal challenge is working quite well for me at the moment as it's letting me think more about what I spend on utter nonsense ;)

    I received some money I was due from work today, so that's gone into savings. £100 of it paid of the interest-free overdraft accrued when I made my small mortgage overpayment. Hopefully next month my savings (in the ISA) will hit the £1000 mark and I will then be able to make more regular payments to the mortgage.

    In excellent news, Mr Fresian spoke to his sister last night about her finding another place. I'm not sure about timescales etc, but the wheels have been set in motion! This will make the need for the frugal challenge all the greater as I need to make sure that I have the funds/budgeting abilities to cope with anything unexpected as I won't have the luxury of her rent money to fall back on. Still, the Epic Craft Room draws ever closer :rotfl::rotfl:
  • EssexHebridean
    EssexHebridean Posts: 24,645 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :T Excellent news FF! :T
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • beanielou
    beanielou Posts: 96,603 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Most excellent news indeed :j
    Might take her a wee while to find somewhere.

    Was in your neck of the woods today & went to an amazing cupcake shop & a sweetie shops & sea dogs for lunch & my friend treated me :j
    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
    Very MSE dinner courtesy of 5pm.co.uk....

    £12 for two courses and a cocktail :D

    I have therefore stuffed my face with two French martinis, chicken skewers with some kind of hot/spicy mango sauce and a posh chicken kiev sort of thing for the bargain price of £16 including tip :D:D:D

    Slightly tipsy it has to be said. Sssshhhhhhh ;) :rotfl:
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Tighly slipsy, Fresian? Glad to hear you had fun. :)
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    hi FF glad to see you are mainly keeping to the frugal life.

    yippee to getting your privacy back
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    chevalier wrote: »
    hi FF glad to see you are mainly keeping to the frugal life.
    I'm doing my best :D

    The thing I'm most proud of is not buying any books so far this year. Normally I'm a terrible book fiend! Still, joining the library has helped. I've been trying to wade my way through a pretty awful book this week but if I can't finish it today I'm going to move on.

    This month I'm doing better on frugality as I have had an extra payment owed to me from work which will offset some spending and have also remembered to include the £15 per month I get from my Halifax Reward accounts as income. I'll also be pleased when my Quidco finally makes an appearance :)

    My plan for today is to go to work for a couple of hours (They overpaid me some overtime so rather than lose money next month I'm working it back for them) then head home and potter about. I don't need anything from the shops yet although I will need fruit for next week - I'm going to get that on Sunday though.

    Have a nice Saturday everyone!
  • o2bfree
    o2bfree Posts: 429 Forumite
    Just wanted to say that you are an inspiration to me and many others.
    I follow your diary religiously every day (hope you don't mind) and follow your example of frugality as much as I can :)
    Pay as much as you can in 2011- £3688.54/£6000
    Pay as much as you can in 2012 - £3190.96/£6000
    LBM - August 2010 - £19202.30
    Current - August 2012 - £11803.68
    Paid so far - £7398.62
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    o2bfree wrote: »
    Just wanted to say that you are an inspiration to me and many others.
    I follow your diary religiously every day (hope you don't mind) and follow your example of frugality as much as I can :)
    Ooh heck I always find it weird when people say I'm inspiring :rotfl: I never think I'm doing anything that impressive :D

    Feel free to follow along for the ride - pop in and have a chat whenever you like!

    MSE news of the day - £75 from NPower (cashback) is now showing as Received, just waiting for it to be paid :j
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