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Good news on the pension.
I use decaf tea and coffee. I had the Aldi tea and it was like sweepings up - never again - coffee was ok from there. My favourite decaf tea is Yorkshire but I can cope with Tetley or PG if they’re on offer.
My work colleague has Yorkshire Decaff , I tried it yesterday it was ok , so I think I will be buying that.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Teabags for me mostly come from ThaT supermarkeT - I can't tell the difference between theirs and Tetley truth be told!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Scottish blend for meI 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 -
Do you ever wish you didn't have a mobile , then people can't get you all the time. Anyway let's move on ! Today was a good day at work , I do say I have some really helpful colleagues who are willing to help you .
Tomorrow is of course childminding day , DGD and I have a raft of errands to do , need to go to ex MIL as it's her birthday I have got her a few flowers .
Another NSD so four this week , which is good. I went swimming last night at the gym and thoroughly enjoyed it.
Thank you all for for your comments .This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Cumbria_lass wrote: »Do you ever wish you didn't have a mobile , then people can't get you all the time. Anyway let's move on ! Today was a good day at work , I do say I have some really helpful colleagues who are willing to help you .
Tomorrow is of course childminding day , DGD and I have a raft of errands to do , need to go to ex MIL as it's her birthday I have got her a few flowers .
Another NSD so four this week , which is good. I went swimming last night at the gym and thoroughly enjoyed it.
Thank you all for for your comments .
Do what I do and forget to turn it on or accidental lesve it on silent,my DDs are always moaning that they can't get hold of me and ow I have a watch I've been tempted to "accidentally" leave my phone at home:rotfl:Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1200 -
Cumbria_lass wrote: »Have done some pension looking at today , my old bank pensions website has a forecast quote you can do and I was pleasantly surprised at the forecast. Not millions of pounds but not to be sniffed at considering it was non contributory . It has made me very determined to get rid of the remaining debt in the next 18 months .I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
Save £12k in 2025 #1 £12000/£80000 -
Enjoy the littles tomorrow 👍January spends - £587.580
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Had a good day with DGD , she had a 2 hour sleep so was able to have a rest. Posted some parcels this morning , went to the hospital to sort an apt out. Stopped off in M@S for a birthday present for great grandma , some chocolates. Went to visit said grandma , picked up DGS , took them home , fed them .
Have spent about £15 on parcels and present. Tomorrow I am going to help in a charity shop near work , as part of our work place volunteering. Hope to go food shopping on the way home , as mum and dad are away so no need to take them.
Hoping for a rest day on Sunday , and on on leave Monday.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
Enjoy your volunteering.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 -
Belated Cumbria Day wishes!:D
You've had a busy one today Cumbria - enjoy the volunteering tomorrow.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0
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