Dancing in the Rain
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Liking your thinkingI 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 -
Hey DIA,
Lovely to catch up on your Diary, nice to see a spot of de-cluttering and you had a nice time out with your work colleagues I feel your pain with IT issues when WFH, makes an otherwise low stress day infinitely more irritating:(
I love your post on NSD - you're spot on with your points, and NSD's work so well for you I've been unsure on NSD's vs sticking to budget, your post re-focussed me - thank you.
Hope you're having a lovely weekend
Jumblerina xxx0 -
Thanks for the comments lovely people
Inspired by crunch_time I thought I would do a debt calculation month by month where I should be.
December 14,500
January 13,600
February 12,600
(extra £100)
March 11,600
(extra £100)
April 10,700
May 9,800
June 8,900
July 8,000
August 7,100
September 6,200
October 5,300
November 4,400
December 3,500
Ah, ah, a shortfall :eek:
I can’t cut back (and stay sane) anymore so the hunt is on to find an extra income source that doesn't completely knacker me. I need to open a separate account and find an additional £3,500 by the end of 2017 :eek:
This isn’t depressing. It is motivating as I can clearly see what I need to do.
Happy Sunday folksIf 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.
Solicitor/survey savings 300/1700
Emergency fund 0/1000
Buffer fund 0/2000 -
Good luck DIA. It's definitely motivation to get it all paid off as long as you don't sell everything that isn't screwed down lol.
Tink xxAs of 31st December 2018 Total Debt = £15837.59
DEBT 1 - £41.10 DEBT 2 - £257.41 DEBT 3 - £584.12 DEBT 4 - £700.00
DEBT 5 - £655.02 DEBT 6 - £669.18 DEBT 7 - £3448.00 DEBT 8 - £2169.12
DEBT 9 - £2964.25 DEBT 10 - £4349.390 -
A cooking, pottering kind of day. The house is still a mess but the dishes have been washed and my fridge is full of nice things that will stop me eating rubbish:
YS beef £6 reduced to £2.25 turned into a beef casserole (half has been packaged off to the freezer)
Spinach salad
2 buckwheat (for the base) veggie, cheese and anchovy pizzas
Lentil and veggie soup
Lemon, garlic and tahini sauce
Fresh, grilled butterflied sardines fillets
No crisps or chocolate eaten today as I have lovely apples from Mr Ts. They are imperfect so a whole bag for 60p. I always peel non organic apples so surface blemishes don’t bother me. Nice and crunchy so if you see them, grab them.:)
I complained about a delivery from Ocad0 so they gave me a refund of £6 for the item and a £5 voucher for my next shop. Without my bullet journal I would not have organised an email to them.:)
A NSD
I’ve decided to sell my bike on gumtr33. I DO LOVE IT but I am also in love with Bromptons so, letting the current one go.
Tink, you are right I will have to start selling. I’ve sold only 3 things ever, so I have lots to sell. Time to 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.
Solicitor/survey savings 300/1700
Emergency fund 0/1000
Buffer fund 0/2000 -
Congrats on what sounds like a lovely productive day
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 -
Also just wanted to applaud your post on NSDs
Rosa xxDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
Loving your NSD post, made me think a lot.
Tink xxAs of 31st December 2018 Total Debt = £15837.59
DEBT 1 - £41.10 DEBT 2 - £257.41 DEBT 3 - £584.12 DEBT 4 - £700.00
DEBT 5 - £655.02 DEBT 6 - £669.18 DEBT 7 - £3448.00 DEBT 8 - £2169.12
DEBT 9 - £2964.25 DEBT 10 - £4349.390 -
Aww thanks ladies
Today
Checked early morning online shopper job. Found my exact hours but not close enough to home. It is good news as it shows the hours I want exist. It is just a matter of waiting for the same job to come up locally. I’m going to keep my bike now as I will need it to cycle there. I am only a 10 minute cycle away from the local branch
Bought my steam cleaner today. I will let you know how it goes. Arg0s had an offer so, £30 off.
Health shop bargains. Delicious River Cottage vanilla yoghurt £3.30 reduced to 80p (I got 2) The jars are lovely and I am collecting them (when yoghurt is on offer) for keeping spices and seeds in. Organic smoked salmon £15 for 200 grams reduced to £6. Still expensive but I bought 2 packs and divided for the freezer for use over Christmas/New Year. Posh pesto £3.85 to £1. Divided and frozen for a future treat. :T
A gorgeous Neom candle RRP £30 purchased for £6.99 as last one and torn box. :T
Walked and saved on half my fares
Free coffee
3 huge avocados from Lid1 for £1.50
I have indeed spent money today, but every purchase was considered, reduced in price and I got a lot of bang for my bung.
Opened windows in all rooms, just for 30 minutes. It was cold, but rooms still need airing don’t they?
Cold, but sunny. It was nice to get some sun
Off to light my candle
Happy Monday
DIA xIf 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.
Solicitor/survey savings 300/1700
Emergency fund 0/1000
Buffer fund 0/2000 -
Happy new candleI 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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