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A whole new world, for now
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Progress. All those steps really add up!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, really helpful shop assistants used to be the norm... the clue is in their job title, but glad they were helpfulIf 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253 -
so, the SB total now stands at 5933 plus 38 in this month's bonus. i also just cashed out a £50 voucher from tcb for items to be purchased to take on holiday for overseas relative - percy pigs anyone?yesterday, the phone stopped working again. well done me for having an intermittent fault that isn't apparent when in store. panic is starting to set in. on the plus side, everything needed for our holiday is now in place which is good. just need to consider what to bring as we will also have an internal flight.workwise, it continues to crawl along but at least it moves. one invoice was paid yesterday which is always good.today i am grateful forbeing able to access a gift vouchersome cashback from holiday costsa catch up 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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.4
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Well done on your progress with SB, and a nice voucher amount too!"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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Today I’m at 5964 sb with a pending bonus of 38. In my eyes, I’ve just passed the 6000 sb. Only another 500 to go and just over 2 weeks to get it done. Last night, dd and I shared a takeaway with plenty left for one more meal. It cost 13.60 from a local, independent and I was happy with that. Work trundled on and little else happened though I did get carpet fitting booked for 14 November so there’s now a push to get rooms decorated.Today I am grateful for
dh having a rare but greatly enjoyed night out
having a generally reliable car that helped with the night out
babysteps on a few frontsMortgage 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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.9 -
Today I’m sitting at 6034 plus 41 bonus swagbucks pending. I generally don’t do too well over the weekend but we shall see.Yesterday was productive in terms of home and work but also spendy as Halloween goodies were purchased, dry cleaning was collected and supplies purchased from the local pharmacy. DH and I had a chat and think we’ve identified a way to progress some rooms so I’m hopeful that will come to fruition.Today I am grateful for
having a to do list already in place
young relative getting a not to far in the future date for surgery
a cosy eveningMortgage 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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.6 -
Also grateful for managing to cash out a £5 voucherMortgage 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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.6
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Getting the negativity out of the way first - mr wii advises I’m up a pound. Still within the +- 2 lbs of 12 stone but not good. I’m blaming my inability to resist Halloween goodies.On the swagbucks front, up to 6045 plus last month’s bonus still pending. Yesterday we sorted out items lurking on top of a wardrobe. Only one item to go but some others found a more appropriate storage space. A run was made to recycling centre and various items left the house inc the old shower tray, some old paint pots and various items of packaging too big to go in our recycling. I also made a foray into the garage and slightly reorganised.I’ve arranged to get carpets purchased in sept fitted before we go on holiday. This means that 2 downstairs rooms need to be empty on the same day so clearing space in the garage is needed. DD is currently repainting the smaller room and we will hopefully have someone in at the end of next week to do the larger one.A to do list has been prepared for today so that will be started after my late breakfast.
today I am grateful for
help from a kind stranger at the dump
discovering a few cheaper options for our holiday - approx $50 saved
more babysteps to a more organised homeMortgage 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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.8 -
Baby steps are good.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 -
Loads of progress being made!"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
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