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From debt to freedom...

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Comments

  • Sarahwithlove
    Sarahwithlove Posts: 3,408 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thanks that's really helpful. I did have lavender in my garden but the rabbits have eaten there way through it so I'm hoping it's gonna grow back 😂
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Thank you SA, Parkyp & Sarahwithlove.

    Must admit I’ve been thinking about your question and thought about asters as a source of Autumn colour that come again each year and Osteospurnums which flower prolifically throughout the Summer. There is a variety called Tresco purple which is particularly colourful. They just need protection from cold so are more of a tender perennial. Best grown in pots and the pots brought inside a greenhouse for overwintering, unless of course you live in a milder area.

    This weekend has been mixed...lots of taxiing done!  I picked DD1 up from work yesterday and she suggested a quick trip to the garden centre. That is the one area of shopping I don’t need any persuasion over! I do confess to buying 2m of weed suppressing membrane so that I can start on improving the rear garden, one bag of topsoil to top up a raised bed at the allotment and 2 dahlia tubers that had 50% off. They might be a little later flowering but they look a beautiful variety so I thought I’d give it a go! 

    Unfortunately on the way home I started with a visual migraine. I don’t get them very often but when I do I have to lie down until it passes. DD1 then woke me up as I’d asked her to at a certain time ( I had too much to do to be sleeping for  long) then promptly had an episode of her health condition. We were both feeling pretty rough for the rest of the day. More stress came about later that afternoon followed by a sleep disturbed night . Today somehow being so tired from the stresses of yesterday gave me the determination to ensure that the afternoon stress was not going to be repeated today so I  very politely rang and firmly said that alternative arrangements would have to be made and a repeat of yesterday afternoon was not gong to happen. Thankfully that worked and a much more peaceful day has been had.

    DD3 dragged me out for a short circular walk, which I was very thankful for. It was just  around local public footpaths that go around the very edges of the village. We saw chickens, lambs with ewes and piglets on our walk. At one point we climbed over the stile and followed the hedge around a corner and came across 3 lambs asleep in the sunshine! The cherry blossom was out in a few gardens on the way home...always a cheering sight! Although it wasn’t as long a walk as usual, we were both quite hot and thirsty when we got home. Fortunately I remembered that we had some elderflower sorbet in the freezer that we’d made last year. We dug it out and enjoyed the cool refreshing taste!

    For the last few weeks I’ve shut the laptop down completely on Sundays.  Sometimes the youngest 2 will try and sneak on, being the only 2 without phones. Today it seems to have paid off. The youngest 2 have had a fabulous time in the garden getting a paddling pool out and having a water fight before building a den inside. The less temptation for screen time the more imaginative playtimes are had.

    I’m thankful today for better health, for sunshine and for a peaceful day.  
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
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