📨 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!

10 months in and 90 left to go ... the reality is starting to kick in :)

1…2627293132…139

Comments

  • beanielou
    beanielou Posts: 96,040 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Can you afford a treats budget is the question?
    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.
  • skint_spice
    skint_spice Posts: 13,465 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think you can't afford not to have a treats budget as Mr El wants/needs his treats so might have to take it out of somewhere else ;)...
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well tbh probably just a small one ... I don't think we can also afford not to have one either really, I think when your working you need something even if it is one Chinese or so a week to look forward to, yes you should realistically look forward to having a roof over your head etc but I've noticed for a lot of people that seems to be not classed as a treat
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Sorry skinty we cross posted ... Yep that's it I don't think we can afford not to .. If it means we pay just a little less to a bill then that's what we do ... I did say to mr el look we need a treats budget but he was insistent that we don't ... I think he is slowly learning that I said it for a reason

    I tell ya though... It don't take long to put by £42.25 of shopping into the cupboards lol
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    So today I spent a bit of time in the poly tunnel clearing it all out for next year, should really start making soup just now but I think I'll watch a bit if tv first ... I live fast and dangerous me :)
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    So today I'm going for my personal training session, I really do enjoy it, but can't afford to keep it up, the good thing though is what I am learning is something I can take on board and use once my sessions are finished.

    I will be saving a good amount of money though, and maybe when I FINALLY get control of my eating and have some money behind me I can go back and learn some more

    In other news I have ran out of milk as I've been eating a lot of cereal, so I am taking my 5p's to buy milk :)
  • taxi73
    taxi73 Posts: 20,815 Forumite
    you did well on your budget the other day
    enjoy your training session
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    There is a perverse feeling of satisfaction to be derived from going into asda armed with 5p's, 2p's and 1p's and buying 4 pints of milk
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    elantan wrote: »
    There is a perverse feeling of satisfaction to be derived from going into asda armed with 5p's, 2p's and 1p's and buying 4 pints of milk

    Indeed yes! (hmm that reminds me I need to bag up the same things and get Dr Dragon to bank them!)
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I have the speakers club again tonight, I hope it's as funny as last week :)
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
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 599.9K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.2K 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.
Update Your Picture