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  • beanielou
    beanielou Posts: 98,078 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    We are all good enough NOW 🤗🤩
    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.
  • Cherryfudge
    Cherryfudge Posts: 14,462 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Excellent progress on decluttering!
    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 21/3/22
  • milann
    milann Posts: 11,653 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    That’s a lot of declutttering 👏👏👏
    January spends - £587.58
  • Cherryfudge
    Cherryfudge Posts: 14,462 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    I'm sorry to hear you've been feeling rough. I hope you're over it now? Some of that weight will try to bounce back as it went so quickly, but it's nice to see the figures going down, isn't it?

    I sympathise about the reality of approaching retirement. I had a plan to work till retirement age to top up my pension as much as possible, take an obligatory month off, then go back as relief so I could pick and choose my shifts. That all changed when I went off sick then handed in my resignation and suddenly was being asked if I wanted to start to take my pension. I'm glad I didn't, but at the time I couldn't accept that the seven years I had expected to continue to pay into the funds had suddenly turned into 'that's it, you aren't contributing, do you want to draw it now?'

    I don't know how long I will keep working but I don't see retirement age as a set thing. If my health will allow me, I'll probably go on working at least a bit because for me it's about mental health. However, plenty of people want to stop early, that's just what I feel.

    The potential new venture, the chocolate day and the hesitation over the smaller tender all seem to indicate you are quite stretched at the moment, so go easy on yourself. Making the bed one bit at a time is very practical, especially in winter. When there's not enough dry weather to dry bedding out of doors, I often do the sheet and pillowcases more than the duvet cover. After all, are the items that get the pressure of people against them - duvet covers get away with it lightly. It's nice to have everything clean on at the same time, but it's not an obligation. You do what works for you.

    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 21/3/22
  • doingitanyway
    doingitanyway Posts: 10,779 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!

    Lots of positives there and I like the idea of changing bedding in a piecemeal fashion. I might do that sometimes too. I'm always inspired by how you took control of your BS and weight

    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • milann
    milann Posts: 11,653 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker

    Good result on 3lb down but I wouldn’t want to make a habit of it. Hopefully Youre feeling much better now.

    January spends - £587.58
  • jwil
    jwil Posts: 23,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I hope you are feeling better today.

    "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 McGee
  • beanielou
    beanielou Posts: 98,078 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    All good then.

    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.
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