edited 26 February 2016 at 12:41AM in Debt-free Wannabe Challenges
378 replies 24.2K views


  • mothernerdmothernerd Forumite
    4.3K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Debt-free and Proud!
    Quote for the Day

    When I loved myself enough
    I began taking the gift of life
    seriously and gratefully
    Dolly84 congratulations on the payment and getting under 4K. Outstanding exercise.

    FunBrum I had trouble getting out of bed with yesterday's weather so understand about the walk especially with the little one. Enjoy your seeds.

    Welcome greent very well thought out plan for the month.

    Bob easing into March is definitely the way to go.

    Clippy girl don't know if it was your enquiry but saw a thread asking about gin yesterday and people were raving about Adnams gin - I know nothing.

    Misstara glad the refund arrived and congratulations on the loan overpayment.

    Calling14 hope the day off and long weekend help you to get sorted. Take some time to sleep even if it is an afternoon nap.

    A second SFD for me thanks to all the cooking. Trying to get on with DS3's room but not sure where to put things. I was going to fill the bed drawers but then found the broken spar and sunken top. I have been tracking through last March's thread to see when I can get the Council to collect things (as well as haunting charity shops for the right bed).

    Today I am grateful for getting (however slowly), for my current energy firm (sent yet another email to the old one), and for lovely food, looking forward to my counselling appointment.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST SEP No 1 No Debt No mortgage
  • BobarellaBobarella Forumite
    10.8K Posts
    Savvy Shopper! I've been Money Tipped!
    Hi All

    Another NSD here. Also made a PAD. Tackled some cleaning.
    Had the cheering thought that we will probably be saving around £60 to £80 a month on our energy bill from April 1st when the heating will go off. Our bills are around £130 a month at the moment due in part to daily use of the tumble dryer plus having the heating on a little bit. I do feel bad for using the tumble dryer but with a load a day to dry it's impossible to do it on the drying rack at present. I will be glad when I can start getting washing outside to dry again.

    Planning a low cost meal of Gnocchi and salad for tonight's dinner. Looking forward to a nice relax once OH gets in.

    Hope everyone had a good day.

    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • XSpenderXSpender Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    Starving and have had to make do with a bowl of cereal for tea as DH has taken the sack of spuds I bought at the weekend to his DMs to tidy the house ready for viewing and I need stodge. I have just been to pick DS up from there so could have got them if I had known!

    DH is working late so it looks like a naughty takeaway tonight and I have been good all week, eating much more fruit and veg, no crisps or sweets and only a little dark chocolate. I have been under my calorie allowance on MFP every day, helped by running and lost so steps.

    It's a good job apple cleaned the naughty step earlier so I have somewhere clean to sit.

    I did miss a cross training session today due to a combination of driving, the weather and DH working late so couldn't go the gym but will do this on Saturday as running tomorrow.

    Spent today on some air fresheners, mothers day and 21st cards and some Easter marshmallows in the shape of bunnies and ducks for decorating cakes. Yesterday we spent too on lightbulbs as we have had a viewing and there was only 2 working out of the 6 in the light fitting :o We have another 1 tomorrow night and Saturday. We need to fix the light in the garage as the long bulby thing has gone.

    Debating whether to get a Mr S delivery tomorrow. We don't need much but if I get DH beer (he buys from personal spends and will reimburse the food budget), some bits to put away for our s/c holiday at Easter as well as our top up shop I can use a £10 voucher. Delivery will be £4 but will probably save that much by not going into the shop and buying bits and bobs we don't need.

    ETA: By the time I have finished typing I have decided against the sains delivery. I will write a small list and go during the day on my own so will stick to budget.
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • apple_muncherapple_muncher Forumite
    12.2K Posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
    Xspender - the naughty step is nice and clean. I have taken myself off it now, after getting 3/3 NSDs. If you hurry, it will still be warm!

    Dh went to the job centre today and is doing all the right sort of thing. He did say that he should have done it on the very first day, as I told him to, since it is not backdated...

    Today I am grateful for scrambled egg, for compliments on my James Bond costume for world book day, for dh getting dd some more tights, for not working tomorrow, for a hot bath.
    NST July; NSD 14; Ex 17

    Mortgage £300 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
  • stewbystewby Forumite
    1.2K Posts
    Debt-free and Proud!
    Good evening.

    Two out of three spend-free days so far. We have done quite a good food shop which should keep us well fed for a while.

    Had a meeting today and can possibly return back to work soon which is great as I am going a bit crazy being stuck in the house all the time.

    Today has been spent watching Chris Evans (not the ginger one) in action. My viewing tonight will be Captain America and maybe The avengers.

    Congratulations Dolly on getting below £4000!! Excellent news!!

    Ah funbrum, my spare bedroom and bathroom are currently full of egg cartons as OH is preparing his vegetables.
    Rookie mistake of putting the carrots in as well but oh well. This is how we learn... besides, instead of paying for a wonky box we can create our own.

    I have added my £100 to my main bank account. We are currently renegotiating our mortgage so need to save some money for transfer costs (if we have any).
    So the emergency fund has been temporarily suspended. If we can get the mortgage sorted then we can possibly reduce our outgoings by about £600 which would be awesome and means I can save a lot more.

    Hope everyone else is doing well.
    Hugs to you all.
    Mortgage: £0/£80,329.91
    Savings: £0/£6400
  • misstaramisstara Forumite
    3.7K Posts
    Seventh Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Just quickly checking in with a NSD, my first of the month :) hope everyone is well.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0
    Car - £4992.88. Now £2643.76 (47% paid)
    Emergency fund - £1000/£1000. Car fund - £1000/£1000.
    Flat deposit - £850/£15000 (5.7% saved).
  • misstaramisstara Forumite
    3.7K Posts
    Seventh Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Morning turtles :)

    Payday from 2nd job today so have made a wee payment to the debt. Today won't be a NSD as I've just transferred some money to my sister to cover my share of a Mother's day present and we need milk. Hope everyone has a good day.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0
    Car - £4992.88. Now £2643.76 (47% paid)
    Emergency fund - £1000/£1000. Car fund - £1000/£1000.
    Flat deposit - £850/£15000 (5.7% saved).
  • FunBrumFunBrum Forumite
    716 Posts
    Part of the Furniture Combo Breaker
    XSpender...I know what you mean about putting extra goodies in the shopping trolley when you physically go into a shop! I only intended to 'browse' in Lidl when my sister popped in, but my DS2 phoned whilst we were driving and said he was popping around and hadn't got any food! :o
    Drat....at 23yrs old he is still coming home to eat!! :eek:
    I ended up £6.96 lighter! What annoyed me was I didn't have enough in my purse so had to use my debit card! Argh....kids!! :mad:
    Never mind, it's only my first spend day this month! :p

    Today I'm doing my usual Friday morning stint taking care of GD1 we will be popping to the shops in the village but only so I can drop off some books I am selling. Four books for £6.60, so not bad! :D
    I'm going to be listing more, so hopefully the cheques will be dropping on my doormat! :money:

    When I got home yesterday, I had a cheque from my solicitor for £23.83 which was part of what was held back from the sale of my rental property I sold last year. Not a huge amount but I wasn't expecting anything as I thought I'd received all the proceeds from the sale when it was completed. So nearly 30 quid in the debt busting pot! :money::j:D

    I'm off now, and I hope you all have a super day! Sorry for the long post. :)
    Living a frugal retirement without treading on the planet :T
    Womble #17- £2,018.41 €2
    TURTLES NSD's 01/31
    FLC £3000/£2,328.12
    CCCC2016 #10 £19 monthly spends on clothes
    Wombled nectar points=728 Wombled Boots points=316
  • crazy_cat_ladycrazy_cat_lady Forumite
    6.9K Posts
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all
    Quick apology from me for not checking in sooner. I thought I was doing fine, but I got into work on Wednesday morning and had a complete toddler style meltdown over something completely trivial and ended up coming home. I thought a couple of days off would help me relax and recharge but I can honestly say I still feel rubbish. I'm off to the docs in a few minutes to get some impartial advice on what to do for the best because I can't make the simplest of decisions about anything at the moment. Will check back in later and update with spends etc.
  • mothernerdmothernerd Forumite
    4.3K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Debt-free and Proud!
    Quote of the day (2 today as they are linked)

    When I loved myself enough
    I started feeling all my feelings, not
    analysing them - really feeling them
    When I do, something amazing happens. Try it. You will see

    When I loved myself enough
    I learned to ask "Who in me is feeling this way"
    when i feel anxious, angry, restless or sad.
    If I listen patiently I discover who needs my love.

    excellent progress and so glad you are being sensible and taking baby steps.

    XSpender it's hard to make good decisions when you are hungry. Well done on rethinking the Sainsbob's delivery and hope all your hard work on the house pays off.

    Apple hope your DH is soon back in work and he is being sensible about the jobcentre.

    Stewby good news about the possible return to work but don't rush it - things can get hectic very quickly when you go back. Good luck with the mortgage renegotiation.

    Misstara hooray for payday.

    Funbrum three cheers for unexpected money and have fun with GD1.

    Crazy cat lady Loads of hugs. i hope your doctor is supportive and you get the help you need.

    Snowing today (not sticking on the paths yet but it is in the backs and the bins have a 3" frosting. DS1 turned up at 8 am so we have done the under stairs shelves, tightened up the screws on the kitchen table (it was wobbling), put two items of furniture that weren't good enough for the homeless into the yard (I can get a council bulky waste collection this month) and he has taken the other 8 spotlight covers down for me to clean.

    He has my laptop details and will order parts. I did say i could think of more jobs but he has gone home again. I am resting now but will go and put things away o the shelves later.

    Today I am grateful for helpful sons, for my new shelves, for more space in the house and pretty snow (as long as I don't have to go out in it). Laptop is working a little bit but heats up very quickly.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST SEP No 1 No Debt No mortgage
This discussion has been closed.
Latest MSE News and Guides

Reclaim payday loans

Get £100s or £1,000s back for being mis-sold

MSE Guides

25% off Dyson eBay outlet

Selected items, via code

MSE Deals