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Fabulously Frugal and Free at 50!
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Amazed the debt is down at all.
Awesome.
TAke care of you xxI 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.0 -
Pips hunny - you are doing amazingly well! - with everything on your plate, you have still brought the debt down and proved to us all that good habits are what keep you ticking during tough times! xoxox4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!0
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with everything on your plate, you have still brought the debt down and proved to us all that good habits are what keep you ticking during tough times! xoxox
Seconded.
Stay awesome Pipster
Greying XPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £94.78/£300
Non-food spend August 2025 £3.75/£50
Bulk Fund August 2025 £0/£100 -
BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Aw thanks guys that's very kind its only down by a smidge but its not up I guess. I really appreciate all your lovely kind words (and virtual baking).
Worked yesterday to keep topping up my TOIL for unexpected visits to the hoppytal and the furry hoppytal. Had work night out but that was paid ages back.
Had to clean out the fridge at work so a small food profit home and frozen as we're pretty strict on food dates for vols.
No food spends over weekend - cooked up ginormuous pumpkin as one of colleagues is birthdaying tomorrow so made a communal pot of (vegan) soup. We are all bringing in one goody food item for him to make him a wee chrissy/birthday hamper as he's on his own. I've raided my larder I have to be honest and found some tasty treats there.
Petrol £30 that's been the spends for the now. MIL here for weekend so DH looked after her - I was working (wreath workshop - very jolly).
Happy weekend folks and thank you. All quiet on the mother and mutt front. Thankfully.
xxxTotal debt 26/4/18 <£1925 we were getting there. :beer:
Total debt as of 28/4/19 £7867.38:eek:
minus 112.06 = £7755.32:money:
:money:Sleeves up folks.:money:0 -
Ahh if your colleague with the birthday is the one I presume it is then say HB from me to him! Such a nice chap he is and it's so great that he's got a role he clearly loves so much!
Entirely get your working the weekend in the circumstances! :rotfl::rotfl:
Elder Hound will definitely be a fighter - stubborn wee lad he is.
And as for defeating the debt even a smidge this month - super awesome - just LOOK at how much extra you've had to spend, and STILL you're at that point, You really are super-incredible. xx🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Pippi, I honestly don't know how you do it. You are superwoman in my eyes. Lots of cwtches for you and Peedie Dog.Goals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£2000
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Pippi, I honestly don't know how you do it. You are superwoman in my eyes. Lots of cwtches for you and Peedie Dog.
Yep - I'll second that. All of it.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Well good morning aren't you guys very very kind.
I am so grateful for the community on here.
Yes EH the same chap who was long term unemployed and now is very much 'in the body of the kirk' at work, he's an utter gem. We had a mix and match lunch of vegan pumpkin soup, and a 'use up the work fridge' extraveganza it was just lush.
We made the fella a wee hamper of delights from our cupboards and everyone popped a wee something in - he was utterly delighted, he loves to cook that fella. Made me feel all warm and cosy inside. Probably the chilli in the soup.
Free pumpkin has been half used and the other half now frozen - even our young apprentices had two cups so it couldn't have been that bad and it fed everyone the next day. Amazing what you can do with half a pumpkin, a bit of bendy celery and a dodgy looking chilli. Add a dollop of coconut powder and mega transformation.
Starnac I hope you and yours are grand! Miss those wee cherubs. Give them a cwitch back from me. xxx I'll wave as we fly over your lands tomorrow.
Well its start of the housekeeping month day here.
I have been preoccupied all week with sorting bits out for the trip away. I know how to live eh - packing loo rolls and small bits of stock cubes/soup/porridge etc into little bags and stowing them in the suitcase.
I had a wee think to myself and I'm not feeling very adventuretastic at the moment with the list and everything that's going on, so I'm going to PAUSE this diary.
Yes PAUSE - I'm needing to really focus in on the daily routines and spends so no real adventure planning - they'll happen when they do.
I'm honestly needing to really really rope in any additional spending as the unexpected bit of spends (extra travel/etc, furry hospital bills and ongoing meds) need to be accommodated through real thought and a bit of a shift in mindset for me. I know I'm doing OK, but I have the MSE skills to be doing so much better I think.
Off to hit the new diary button I think, I know I'm a bit flibbertygibberty but please do indulge me.
XOXOXOXOXOXOTotal debt 26/4/18 <£1925 we were getting there. :beer:
Total debt as of 28/4/19 £7867.38:eek:
minus 112.06 = £7755.32:money:
:money:Sleeves up folks.:money:0 -
Lovely to see you post
Totally understand the need for a PAUSE or even a RESET on the diary
You know we are all here for you
Hoping that you and yours have a grand time over the Festive Season
(((((HUGS)))))
:ABUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0
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