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LBM in 2003.. What have I been doing since??!
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Wonderful to 'meet' you. Many thanks for subscribing!
DDs and hats..yep they are still a wonderful feature of my life!
Must do some work now. LOs bought in for lunch but am treating myself to a coffee and croissant after nightmare journey in. Traffic and weather. Need to grow some fins!MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
All sounding good. :jI 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 -
LOs for lunch and dinner. Everyone in good form. Homework now..
No more work for me until Tuesday
And had a free coffee for the road home as had a MOV.
Deep joy. Just realised no CT payment until April. Whoop!! Am off to amend YNAB now.
Have written a list of things to get through over next few days and then thought...don't stress too much. Note to self - have a lie in too MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Happy day's off :j :jI 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 -
Just catching up with you and very glad to read everything is going extremely well in your world. You sound so motivated. I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Thanks SA..yes I am motivated and focussed and it helps hugely that OH is on the journey too (may have been a later arrival but he's here now).
Two things help underline that for me:
- his enthusiasm for YNAB..he updates it and checks it reconciles every single day (yes you read right)
- he went out last night with some friends and didn't spend a thing. He had prepaid for the event last year, cycled there and back. A mate bought him a pint and he nursed it all night...if you knew him in RL you'd know that is EXTRAORDINARY. I am still gob smacked 24 hours on.
Oh and just realised we are going back to the hotel (2 free nights with my loyalty points) where he first learnt the truth about our debts..so that means it was about 3 years ago I think - would need to check back June 2012 or was it June 2013? Anyway..feels good to go back but with this focus and with a DF badge
Thanks SA xxMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Hi Diary and dear MSE friends
Weird blurgh day today..
- started doing paper work and then proceeded to overpay some tax. Really peed off with myself as its £1k I will now need to get back. Really dumb thing to do.
- did long overdue checking into our life insurance...sent emails and think will need to get a top up policy. That'll be another £30 pm I think
but if we do have to do it, then must remember to get it via TCB
- several chores complete. Got some YS items too which were needed, rather than impulse buys...someone was looking favourably on me then (maybe to make up for my HMRC blunder?)
- chickens laying well. Always eggs in our fridge these days
- pair of roller skates and a toy to the CS..can I count that as 3 items for the decluttering total :rotfl:
- no decorating achieved but 3 items on bay of E and one will definitely sell tomorrow.
Also packed for my weekend away. Planning to take food and wine for a picnic lunch at the hotel. Every little saving helps MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Enjoy your weekend away Great to hear OH is on board too, it always helps. I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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It does.. It's been much faster since he was on board. Great weekend away..am on whisky already
Dry Jan obv stopped a couple of hours ago! MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Enjoy that weekend away. Well deserved Brizz!MFW Challenge 2019 - £2,420 / £2,420 - 100% :T0
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