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The march to financial freedom

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  • I may try my own end of year status too - will be good to have a think back. Especially as I've run out the hot water and have a few minutes to kill while it heats up again. :D
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • Happy New Year SS1k. :)
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Happy New Year everyone :D

    Today has been declared PJ/Onesie Day in this house :j. We'll be taking the Christmas tree down and clearing away cards and decs. Which means I'll need to do a dust and hoover round in the lounge, but beyond that...it's chill out day and I plan to get that jigsaw puzzle out. :D

    Have a great day :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Emmala
    Emmala Posts: 429 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Morning Ali! Happy New Year to you and DS!

    I thought your annual update post was fab, very inspiring, but am very surprised that no one else has yet commented on the one area left somewhat lacking........oh yes, I think this is the year to find lurve!!!!!!!:kisses2:

    I'm sure we can all help you in this.........suggestions on a postcard folks!!!!:rotfl:
  • Emmala
    Emmala Posts: 429 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Ooh wait, I found some more smilies.....
    :smileyhea:happyhear:kisses::lovethoug:iloveyou:


    Over to you........what are we looking for? (Can we assume tall, dark and handsome for starters? ;))
  • Hopefully the jigsaw won't stress you out.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Molly :rotfl::rotfl::rotfl: Happy New Year to you and all the family.

    I didn't have time for a relationship when DS was younger with the work commute, long hours and no childcare outside of nursery/school hours. I then made a conscious decision when I set up the business to focus on that, plus the debt started to build and I couldn't afford a social life.

    2015 could be the year that the balance becomes right. There is room in my life - DS is becoming more and more independent, the business is stable, I'll be free of CC debt.

    Tall, dark and hansome - oh and must like 2 mad dogs - is a very good place to start :D
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Hopefully the jigsaw won't stress you out.

    Happy New Year to you and yours :beer:

    I will probably do just 30 mins or something at a time if I can't find a bit :rotfl:

    It's weird, if I sit and veg out with the tv or laptop (have been doing plenty of that) this dry heat sweeps through the body, so I've found it's better that I'm doing something rather than nothing.

    I'm sticking with alternate mindfulness and relaxation podcasts daily (all free downloads :D) and 15-20 mins on the bike - the latter uses up excess adrenaline (if I am producing too much). I'm sleeping normally, eating and drinking well and healthily (bar the odd choc or biscuit).

    Rushing around is OFF the agenda for sure :D
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Pj day for us as well Ali. I used my Christmas cards last year to make tags for this year and they were fabulous. All unique and looked brilliant. I'm intending doing that agin this year.
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    That's a good point MiT - I did the same last year and used my old Nan's pinking shears to create the serrated edge, but can't seem to find the box I put them in :( . Will do our cards again and make sure I put them somewhere I can find them :D . I had got 2 sticky label books so didn't have to buy any thankfully. Everyone used to use old cards this way in the 'old days' didn't they?

    Just done 16 mins/5.5 miles on the bike - it's a bit warm in a onesie though :rotfl:

    DS is still asleep :eek: so I'll delay lunch until he's around and the taking down of the tree (he likes to help to get the rest of the chocolates from it :rotfl:)

    Jigsaw coming out next. TV looks quite good tonight, so that's my day sorted :D
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
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