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A whole new world, for now
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Well done on the weightloss and decluttering!"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 McGee2
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I paid £9.45 to send a £10 calander to France!!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.3 -
I lost my mom 23 years ago in August. Although it gets easier you never forget ❤️
I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
Yesterday we did the cash and carry run. We got what was intended plus more. They had good reductions on various chocolates so these have been bought and put away primarily for when I’m delivering training courses. My course content ain’t great but I bribe people with chocolate!
we also cleared 6 large boxes to the recycling, various soft plastics plus more than 30 items to the charity shop. I now have to find where my charity shop pile was hidden when dd had a friend to stay as those items weren’t in the bag.I did an hour or so last night and got work set up for the week. Speaking of which, I’ve an early meeting 12 miles away so need to be out the door.
today I am grateful for
bargains
actually getting what I went out to shop for
a chat with a friendMortgage 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.6 -
Anniveraries of losing loved ones are always potentially difficult times. I have 2 sticky periods - mid Feb to mid March (mum's birthday & dad's anniversary in 1991) and late July to early August (mum's anniversary in 2005 and dad's birthday). I have found that being extra kind to myself & not planning too much are my best tactics.2021 Decluttering Awards: ⭐⭐🥇🥇🥇🥇🥇🥇 2022 Decluttering Awards: 🥇
2023 Decluttering Awards: 🥇 🏅🏅🥇
2024 Decluttering Awards: 🥇⭐
2025 Decluttering Awards: ⭐⭐5 -
The weird thing is Floss that I genuinely didn’t expect to be impacted. Still, we are where we are.One more meeting out of the way yesterday.it was a long one that ran for over two hours but was very positive. Checked my emails after and had enquiries about two other projects while a third came in by phone yesterday afternoon that would like an immediate start. I’ve arranged to speak to them tomorrow.Today will be two or three meetings depending on how things play out. Got the coat plus three chocolate bars posted off yesterday. The cost of posting was within a pound of the cost of the coat. Ridiculous.Right, need to get motoring as today is dh’s in the office day and then I need to get to my first client. Today I am grateful for
one item off the must do before Christmas list
finding the right present for a friend
Food from stores bar a packet of wrapsMortgage 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 -
Yesterday turned into four meetings instead of three, one of which involved consumption of a rather delightful Christmas dinner. That said, I got home from the final one at after eleven so I’m tired. Today I have my talk therapy apart from which there is nothing in the diary. I do have lots of work to get through. In a way, that’s good as I don’t want to wallow given it’s the actual anniversary. It’s hard not to think about what was happening this time last year in terms of family interactions.
right, need to finish up my indulgent hot chocolate and get things started.
today I am grateful for
positive feedback
safe journeys
dh providing the hot chocolateMortgage 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.6 -
Sending you hugs... and maybe a virtual cream cake?
I hope your talking therapy continues to be useful.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 21/3/223 -
Sending you lots of positive vibes & cake.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.4 -
Hope the therapy goes well for you. You’ll have passed the 1st anniversary which is always the hardest.January spends - £587.584
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