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“Rock bottom became the solid foundation on which I rebuilt my life.”
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What is the problem with housing then? xI 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 -
Keep an eye out for the postman XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
I hope the hospital appointment goes well tomorrow. I always think bus fares seem really expensive, but then everything seems expensive to me these days.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Rent sorted again I think. Still hate my account officer though.
Oh will do thank you Lucky
Thank you HH - only there for bloods and X-Ray - should be in and out (I hope so it's really early so hoping it's quiet!
)
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Everyone home, fed and bathed. We are all in out PJ's

Smalls are watching a movie together in the girls room. Might watch some Heartland
Uniforms are hung up to dry so I can't iron them
That's my excuse. I will need to do the floors again at some point this evening. Living the high life :rotfl:
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
I do wish you'd get a break WF - and not the sort I had 2 years ago either :rotfl:
It seems to be one thing after the other for you, fingers crossed for better times very soon xxI get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
WF The Works have some floral storage suitcases 3 for £7 they may be nice for DD to store things in and would look very nice in the bedroom. I have bought my friends daughter recently and she loved them .This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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PJ's on here too WF! well done for sorting out the rent nonsense.
Let the floors wait until tomorrow. Watch Heartland and chill a bit! xx
Oh - and going-to-be-8 presents - anything with Unicorns on 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
They have Unicorn ones WF as well in the suitcase storage boxes !This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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Thanks all

I actually fell asleep in youngest s bed with her last night
Before 10pm! I only went to settle her and we both where still in her bed at 4am :rotfl:
Anyway it means I got up earlier than normal. I got the floors and things done and got the smalls up and ready. Appointment done, was stressful and I gave in to bribing her with sweets. So not a NSD
However we are home now and they are fed and playing nicely.
It's still so cold! but the sun is shining at least
Hope you all have a good day
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0
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