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New Journey
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Your holiday is almost here!
We are on the same number of NSDs for November
My fridge is also a bit empty. Kippers and soup tonight so I don't break a NSD.
After the housework make sure you have a little treat!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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
I hope you had a good day with the DGC today and managed to feed yourself. Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
My day ended up being very long DGS was invited to a party at 5.00pm , I ended up taking him as one parent got stuck in traffic. Hence I have only just arrived home . Tea is some toast !
Tomorrow I am on karate duty for DGS and then I am off to spend the day with my friend , as she is going away and it's our last chance to meet up before my holiday.
Can't wait for a bath and bed.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
You have had a very busy bee day today.
Have a lovely day with your friend tomorrow.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.0 -
Another busy day , karate with DGS I enjoyed watching him . Then a 45 minute trip to my very best friends . We went for lunch , had a little whirl round her nearest big village and went in a very nice gift shop. I am pleased to say I didn't buy anything . I paid £7 for lunch so not a bad day.
Came home and did the cleaning , so I can go shopping tomorrow, then ironing. I am also going for my currency tomorrow then that's another job done .
Glass of wine now .This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Sounds like a good day 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.0 -
Sounds like a nice social Saturday. Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
I think little children look so cute when they are practising karate! DD used to go when she was a child up to her early teens.
Your day out with your BF sounded perfect. Well done on resisting the tempting gift shop!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
I have spent sometime this morning working out how far I have got to paying of CC . My calculations show that by the end of the year I will have paid for my holiday to Australia and the silliness spending in the summer . I will be starting the New Year with the same amount of debt as I started 2018 with.
I am going to try and really go for it next year but am not giving myself an end date as I will get fed up. My mindset has completely changed now towards money , I do occasionally use a credit card but it gets paid off in full. I have an emergency fund , save for insurances to pay in full. Have a Xmas fund and still manage to live a fairly good life on my salary even paying rent.
Through saving for things I bought Westlife tickets for myself and DD , long time ago it would have gone on the CC . Didn't fall for spice girl tickets though .
That's my little me me post finished .This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
You have done so well to have paid your holiday by the end of the year. You should feel so proud. You can enjoy without facing a massive bill when you come back.January spends - £587.580
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