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LBM in 2003.. What have I been doing since??!
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Almost a NSD but then realised have to do school dinner money to kids.. First day and all that. But nothing extra so could be worse.
Money came through today.. Glory how easy is it to borrow money. Makes the savings account look very healthy. Pity it's not truly mine!!
Freezer meal this eve which takes the pressure off. Should get home to find that DD1 has done dinner.. Put rice on etc and warmed up stew. Here's hoping! Have done a small TT.
Over and out 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 -
I am here Mrs B, well very very fleetingly at least.
Had a super quick skim and wanted to say ( all be it very very late in the day ) how amazingly your DD has done with her exams , please send her huge congrats from us all in the PG Household. Your DD2 seems pretty amazing, calling the bank all by herself ? I have just managed to get my 18year old DD1 to do that !!!
I'm afraid that I don't have time to catch up with anymore of your news this evening, I'm sorry, but I hope that you are all ok and the time flies for you when OH is away
xx LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
Total Debts JUL 2020 £00.00
Cleared Jul 2020 £96796.75:T
Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 4280 -
Weyhey! She's back! Great news!
All good here. Thanks for popping by.
Also have to say that sig is not shabby at all. Well done you :TMFiT-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 -
8 books decluttered. We are on our way.
One purchase today: £1.99 on huge tub of yoghurt to do with HM curry for this eve. Again not bad.
Off out to a friends house. Will be fun, so looking forward to it, and back for an early night so best of both worlds
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 -
A fairly productive day:
- HM ice cream on the go, more meal planning with some spends but supplementing the freezer so no bulk buys
- items put on Bay of E - last large item in house we can think we can do without so fingers crossed
- 4 clothing items decluttered, 5 books - must update sig
Will update laterMFiT-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 -
I used to hate it when Mr SA was self employed and we had to put money aside for tax. It's far too tempting not to put anything away on a short week thinking you'll catch up another time. You've done the best you can to deal with the situation so nothing to beat yourself up about. Onwards and upwards.I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Thanks SA. Yes I have been robbing the tax pot and its caught up with me.
Had to dash earlier to make tea... 3 hungry teenagers!! (And 2 adults)
The other item was OH reusing a granite hearth we took out of the house 5 (yes,5!) years ago into paving slabs/stepping stones to try and save our grass this winter when we shlep out to hang washing and feed chooks. Total result and cost nothing :T and only took a couple of hours. V impressed by his ingenuity
Didn't go out this eve so have 'saved' £12. And OH and I are tutoring DD2 in Maths this week so 'saved' that fee. She is also stopping music lessons.. She is not really enjoying it so that's that. Money can be spent elsewhere as she does tonnes of clubs and classes..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 -
We all give so much information on these boards, it's easy to only share the positives..... it's such a positive to share troubles too ... and solutions... good on you x Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20220
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Well said MFD. Unlike FB this place is for the bad as well as good. We are all hear to "listen", advise if we can and never judge.I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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My diary is none too positive :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
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