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A whole new world, for now
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Pleased to hear you’re not cutting you urself off……it’s good to talk (or write)
Well done on making progress with the house and ignoring the lure of the take away 👍January spends - £587.582 -
Lovely to hear from you again. The counselling sounds unhelpful
Hope you enjoy the dance lessons! Well done on not hiding yourself away."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 McGee1 -
That is so unacceptable about the counselling.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.2 -
Yesterday I got two pieces of work moved on and dinner was from freezer / fridge. We did our pre month end pb purchase so are now at 14%. There was an additional £75 invested over and above extra money and big bill provision but hopefully it won’t make too much of a stretch. It is also going to hopefully deter the take away habit.DD stormed in home in a foul mood due to public transport issues resulting in her missing a gym class. I listened for a few minutes and then advised that none of this was my fault. She then left the room and huffed. I’m fed up with the kidulting.
im still unsure what to do re the counselling. Yesterday there were 2 phone calls, a voicemail and an email. They just assume that people have no other commitments. It’s infuriating and also quite intense. I think I’m going to take the 3 new sessions offered. Who knows, maybe something will click.Today is dh’s office day which is coinciding with dd having an early meeting. I think the roads should be ok to where we need to go but the rain has been wild and the trees are now close to leafless. I’ll be clearing the windscreen before driving off.Today I am grateful for
family all remaining safe despite the weather
another percentage of pb
a lovely clientMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 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.4 -
It looks horrendous over there, take care.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/222 -
Yes take care in the horrendous weather.I think you’ve made the right decision re the counselling. If you don’t take it on you’ll never know if will do any good.January spends - £587.583
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Well, I emailed and accepted the three remaining sessions. I also asked about their complaints process. I was sent a scrappy extract from some other document, quite possibly the tender that won them the work, and an offer of all six sessions with the new counsellor. Why do people need to make it so difficult?
yesterday I hit m&s after the work drop off and struck it lucky with whoopsied items. Some have been used, some are earmarked for today and some have already found a home in the freezer. I also visited the bakery and spent as much on Halloween treats that were then distributed to the wider family. I also did some Halloween baking which was weird. This was normally done for my mum with the dog at my feet watching for any falls that might have happened. I’m not sure what I’ll be doing with the items produced as there’s little room in the freezer.Today I have a ten o’clock meeting and another at half one. Need to at least brush my hair!
today I am grateful for
continuing to escape the worst of the weather
the counselling issue getting resolved
a good outcome on an invoice queryMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 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.4 -
Pleased the counselling is being resolved. It surprising the the wheels often move after the word complaint has been mentioned…..it shouldn’t have to get to that stage.
The Halloween baking sounds delicious. I bought some kids sweets but nobody called so guess who’ll end up eating them 😵💫I do quite like kids sweets though.January spends - £587.582 -
You continue making progress
it does sound as though the counselling place overextended themselves, and the sound of a possible complaint might be just what they need to be realistic.
Hallowe'en baking... give some to family or friends or a neighbour? You've kept up the tradition so far, so perhaps find a new end point for some of it? I love baking... but now have to make the Christmas cake (no one but me is making me make it), and can I get down to it? I've done loads of laundry instead.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/222 -
Yesterday was a bit of a nothing day. Did my meetings but little else. Spent some time looking at the over 300 pages of pb wins by area. Happily we appear to have missed out on storm ciaran and things are settling down after the battering early in the week. Being Thursday, I checked my sugars. These are creeping up due to the garbage I’m consuming. I actually feel the lack of goodness in my diet and that needs to stop.Today I have access from 9 o’clock to presale for a concert next year. It’s something both dh and I will enjoy and there’s some gifted money in a pot that will go towards the cost. Hopefully that will kickstart a productive day for me.This evening I have a remembrance thing at church. I’m not a regular attendee but this is to mark those who passed away in the preceding year so I’ll go.
today I am grateful for
my biggest though not big pb win to date
dinner from freezer and stores
a productive meetingMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 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.5
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