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New Journey

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  • Seasidegal58
    Seasidegal58 Posts: 6,027 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Glad you enjoyed your Christmas with your family Cumbria.
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Scott_Weiland_2
    Scott_Weiland_2 Posts: 799 Forumite
    Tiny tiny bit snow up my way hope all you guys had a nice xmas
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you enjoyed Christmas day Cumbria and that you've got your new microwave :).

    Great that you've also got a new year trip to look forward to :).
    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 MONTHS
  • System
    System Posts: 178,355 Community Admin
    10,000 Posts Photogenic Name Dropper
    Finished again now till the 3rd Jan. Have DGS staying tonight and some of tomorrow, off to bed shortly . Went to chip shop for tea as fridge is rather empty and couldn’t be bothered with anything else. It cost £3.50 so won’t break the bank.

    Tomorrow evening will be spent packing, train is lunchtime Saturday.

    Scott heading your way for New Year .
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Seasidegal58
    Seasidegal58 Posts: 6,027 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Have a safe journey and a fabulous New Year break Cumbria!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • redofromstart
    redofromstart Posts: 5,867 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Have a lovely break Cumbria
    My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese

    GNU Mr Redo

  • doingitanyway
    doingitanyway Posts: 10,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Enjoy your break Cumbria and happy new year!
    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) 25/072025
  • beanielou
    beanielou Posts: 95,713 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy new microwave~~enjoy :)
    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.
  • System
    System Posts: 178,355 Community Admin
    10,000 Posts Photogenic Name Dropper
    Thank you everyone .

    I am up and getting myself ready for my journey. I want to thank every person who has helped/commented on my diary in the past 12 months.

    This time last year I was in a flap over my debt , this year peace and tranquility reign. I was going to set myself numerous targets but have decided against it these are my few.

    1. Carry on snowballing debt.
    2. Be mindful when thinking about buying frivolities.
    3. No clothes again until Easter (did this one last year )
    4. EF took a hit last year with dental treatment and glasses , so try and keep this topped up at £500 min.
    5. Make better use of gym as entertainment during the week.
    6. Don’t feel guilty all the time about trivial things.

    Happy New Year everyone when it comes.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • debtaghh
    debtaghh Posts: 1,798 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You have done so well Cumbria! Have a lovely trip .
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