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New Journey
Comments
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Glad your new team seem nice Cumbria.
That's a really good idea to split your Christmas and birthday savings like that
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 -
Glad to hear that you have had a lovely welcome from your new team.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 -
Friday again, childminding day , crazy day. Also doing a stint tomorrow with DGS. If I haven't surfaced tonight , send a search party out, you may find me under the toys.
Have a good day everyone.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Survived just , crawling round play areas is definitely overrated.
Am having a terrible time with myself and 2 wants. I would love to buy a new iPad and a iphone se , with would be about £700 . I only have £500 , I don't need either at the moment, as have a iPad that works and iPhone that works. Yes they are getting older but work ok.
Need to talk myself out of it .This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Glad you survived childminding. I hadn't realised your 'free' day was child care. Must be lovely. Little ones take energy but give back so much too
You won't buy new Apple stuff. You are way to smart for that. It is just a scratch. You will stop itching soon
Enjoy your eveningIf 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 -
Cumbria_lass wrote: »Survived just , crawling round play areas is definitely overrated.
Am having a terrible time with myself and 2 wants. I would love to buy a new iPad and a iphone se , with would be about £700 . I only have £500 , I don't need either at the moment, as have a iPad that works and iPhone that works. Yes they are getting older but work ok.
Need to talk myself out of it .
Wait until they give up the ghost! That’s what I do!:DFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Ahhh "wants" eh - well we've all been there! I'm confident that you won't weaken though.
Excellent news that your new team made you feel so welcome!🎉 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 -
It's great that you hard work is paying off and you don't have to rely on credit cards**Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
377 166million Sealed Pot Challenge 2018 :staradmin No. 90: Emergency fund £637
My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=36300990 -
New shiny Apple stuff is still there in my head, but you are right wait until it breaks and then replace it.
Yesterday wasn't a NSD £3.50 play area
Coffee £1.30
Bakers £1.45
Window cleaner £2.30
Today I ha ve DGS who I am taking to the cinema , then probably lunch that will be another £20 . It all adds up .
Sunday will have to be cleaning, shopping , ironing. EtcThis is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Cumbria_lass wrote: »Survived just , crawling round play areas is definitely overrated.
Am having a terrible time with myself and 2 wants. I would love to buy a new iPad and a iphone se , with would be about £700 . I only have £500 , I don't need either at the moment, as have a iPad that works and iPhone that works. Yes they are getting older but work ok.
Need to talk myself out of it .
Hi Cumbria,
I so sympathise, I get these cravings. Wait 72 hours they will go away.:)Aiming to early retire December 31st 2026.0
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