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A whole new world, for now
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Wishing you a happy Christmas ๐๐ ๐ปโ๏ธ and hoping all is well.January spends - ยฃ587.585
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Happy Christmas ๐ โ๐๐
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = ยฃ58,766 ๐ฑ DEBT FREE 31 OCTOBER 2017 :T ๐
EMERGENCY FUND 1 = ยฃ50/ยฃ5,000. EMERGENCY FUND 2 = ยฃ10/ยฃ5,000.
CHRISTMAS SAVINGS = ยฃ0/ยฃ500. SEF = ยฃ1,400/ยฃ12,000 PREMIUM BONDS ME = ยฃ350. PREMIUM BONDS DH = ยฃ300.
HOLIDAY MONEY = ยฃ0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS4 -
Happy New Year INOD ๐๐๐
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = ยฃ58,766 ๐ฑ DEBT FREE 31 OCTOBER 2017 :T ๐
EMERGENCY FUND 1 = ยฃ50/ยฃ5,000. EMERGENCY FUND 2 = ยฃ10/ยฃ5,000.
CHRISTMAS SAVINGS = ยฃ0/ยฃ500. SEF = ยฃ1,400/ยฃ12,000 PREMIUM BONDS ME = ยฃ350. PREMIUM BONDS DH = ยฃ300.
HOLIDAY MONEY = ยฃ0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS4 -
Wishing you a positive happy & healthy new year xx
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.6 -
Happy New Year inod and a prosperous healthy 2021 to you and your family.ยI hope to read your posts again before too long. x๐พ๐ฅณ๐พFinally Debt Free! - July 2016 ๐
Finished Emergency Fund- ยฃ10,000 April 2017
๐
RETIRED: MAY 2021!!!!๐๐
My diary: โSeasidegal's Scrimpy Retirement Diary!โ5 -
Hey up Lovely XXย
Have a good one XXXXยNevertheless she persisted.5 -
Happy new year to you, your family and of course, the dog! xIf 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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Happy New Year!
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
Wishing you and your family a happy and healthy 20216
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Hello, says she creeping sheepishly out from the undergrowth.ย
Itโs been a while though I have continued to lurk. ย Thank all of you for your good wishes and thoughts. ย Iโve just felt that over the past year, the only things I could say were negatives and there was already enough carp going on without inflicting my stuff onto others. ย I also sometimes find that articulating things makes them more real and I couldnโt take the risk. ยThat said, Iโm not sure that Iโm not being a drama queen as Iโm sure that there are lots of people dealing with a lot worse in a much better way. ยSo, whatโs changed to bring me back? Iโve decided that I canโt keep hiding away from things in the hope that a magic wand will be waved and they will all become better. ยI need to start sorting things out. ย I became another year older a few weeks back and the day after managed to climb back into the obese category having escaped it for around 6 months. ย It only took me 20 years to get out of it - what am I doing?
ive also noticed that I am increasingly looking at things to spend money on while decluttering has scaled way back. This is my danger zone. I get down when it feels like rooms are shrinking so to cheer myself up, I spend money adding to whatโs in the rooms. ย Even I can see that doesnโt make sense. ยHowever all my issues will be sorted by getting back on the dairying routine. ย I think I need to revisit my verucca salt list and post it here. ย I need to stop drifting.
and now for the most important update, furry face is approaching her 15th birthday and is still in residence. ย She has slowed down quite considerably, but a combination of supplements, anti inflammatories and painkillers keeps her tail wagging. ยA completely disjointed post I know but I reckoned that I had to start somewhere.
today I am grateful for
a family relatively unscathed by covid
the four legged one
this community who forgive a lot and weigh in with supportMortgage at 01.01.14 ยฃ119,481.83:eek: today ยฃ0 Emergency fund ยฃ5.5/5.5k & ยฃ200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.13
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