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Dancing in the Rain

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Comments

  • JoJoC
    JoJoC Posts: 1,836 Forumite
    What a wonderfully positive post DIA!

    I try to reflect in my MS ways when they become apparent - like when I shopped in Asda at the weekend instead of Aldi and my bill was over £80 for the week instead of £40-55. It made me instantly think 'what if I hadn't been an Aldi convert?'. I'd be at least £25 per week worse off, over £1,000 per month.

    It's good to reflect, and also reminds you of how far you've come when you feel like life is wrapping you up.

    I'm so envious of your YS items - i never seem to have as much luck with that one :)
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • beanielou
    beanielou Posts: 95,737 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad lunch was so great.
    The Osprey keyrings are a bargain indeed :)
    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.
  • System
    System Posts: 178,355 Community Admin
    10,000 Posts Photogenic Name Dropper
    Just shows you can get good food and pay a reasonable price. The key rings were a brilliant find .
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • doingitanyway
    doingitanyway Posts: 10,061 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 25 November 2017 at 10:55PM
    Thanks for all the positive posts people. I appreciate them :)

    Yay! My working week has begun. Cue, 2 days to use as I wish :)

    The first thing I have done is pay an additional £290 towards my debt. So, a total of £1085.00 paid. :T

    It was hard to do but if I don’t I will spend the additional amount poorly. I did last month :(

    Today I paid for a round of drinks at work £20 and then I shopped for YS bargains but then I bought a bottle of red wine for £7 too.

    I am glad I have paid down my debt. It makes sense to do so.

    The next few days will be free fun. So, gym, swim, decluttering, menu planning and cooking.

    So looking forward to waking up tomorrow and not having to go anywhere :)

    I hope you had a good day reader :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • beanielou
    beanielou Posts: 95,737 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done on a great debt repayment :j :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.
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Woop woop another barrier busted :D
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • doingitanyway
    doingitanyway Posts: 10,061 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    beanielou wrote: »
    Well done on a great debt repayment :j :j
    RosaBernicia wrote: »
    Woop woop another barrier busted :D
    Thanks. You have both summarised exactly how I feel :)

    Just 3 more payments of £1,166.00 and this will be over. I only have £250 in savings, so this plan rests on nothing serious going wrong that needs urgent attention before February.

    Today I will be preparing a budget and meal planning and later going to a yoga class. I need a yoga mat but for now, rather than buy one I will be taking a towel to drape over theirs instead.

    I am going to work to a weekly plan this month. Use cash. EXERCISE in the evenings. Have NSDs. Have lunches for work prepped so I don't waste money.

    December will be mega tight but I am going to try and embrace it and live up to the name of my diary.

    Wishing you all a lovely Sunday :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • in_need_of_direction
    in_need_of_direction Posts: 7,745 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I love how you structure things to deliver outcomes. You are an inspiration.
    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.
  • doingitanyway
    doingitanyway Posts: 10,061 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    in_need_of_direction wrote: »
    I love how you structure things to deliver outcomes. You are an inspiration.
    What a lovely post to read! Thank you INOD. You inspire me too :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,061 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 27 November 2017 at 8:29PM
    I cannot decide if the house turns into a tip and I start eating rubbish because my mood shifts downwards or if my mood shifts downwards and then the other stuff follows? Either way the result is the same and so is the solution. I have this evening begun tackling the piles and piles of dishes. One draining board full washed and waiting packing away…:o

    Yesterday I was terrible, nothing achieved at all. Sloth like all day. Ate RUBBISH and did not make it to yoga. :o

    I caught my reflection today and was not pleased. I did my eyebrows for £4, so slightly improved but wearing a jacket I previously put in the CS bag and took out again. I need to smarten up. Will be doing 1 thing a day (at least) to improve...

    I am aiming for 2 days a week NSDs. These will be on exercise days:Tuesday and Wednesday ;)

    Today, still feeling sluggish but I had commitments so I got on with it. I can’t let other people down, although I have no problem letting myself down it seems… My private class was lovely. So far I’ve never not enjoyed teaching it :)

    YS goodies picked up. I put back YS bargains that even when they were reduced did not seem to me to represent good value for money. Instead I thought about lunches for work as this is where I fall down. I have started to spend £10 a day on lunch and coffee twice a week. Insane! £80 a month! It is just disorganisation. I am on a tight budget due to my debt overpayment so overspending on lunches STOPS HERE.

    I hope your week got off to a good start :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
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