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“Rock bottom became the solid foundation on which I rebuilt my life.”
Comments
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Evening. I've turned it back to 18. 13 is just too cold until summers here
Or at least for now why it's cold!
Burnt my dinner :cool: and not enough bread for toast! Settled for a cuppa :rotfl:
Everyone's in bed and sleeping and all the cleaning done.
I don't really have much to say feeling a bit low so think I'll take myself of to bed too.
Hope you all have a lovely evening
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
I think 18 degrees is the minimum temperature for comfort. We keep our house cooler because we wear our warmest clothes indoor and sit under blankets.
Sorry you're feeling low Wannabe
. I hope you feel better after a night's sleep. 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 -
Sorry that you feel low.
Keep plodding 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 -
I hope you feel better tomorrow. Sleep can help (when you can get it). Have a peaceful night xI 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 21/3/220 -
Morning
No real plans again today all very much of the same.
Hope you all have a lovely day x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Morning, W
Same here. A bit of shopping and making a fish pie for dinner.
Have a good day. xxxHave adventures. laugh a lot and always be kind.0 -
Morning WB
Nothing much happening here either. Have a good one. xx 0 -
Glad to hear Ctax is sorted. Hope you have a good day x"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 McGee0
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Have a grand day missus
(((((HUGS)))))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 -
VERY glad to hear you've turned the heating back to 18 WF - advice sent out by some of the power companies suggests that anything below 14 is risky health-wise.
No idea what ours sits at as we don't have a thermostat of course but the hallway heater (the only one with temperature control) is set to 20 degrees but only on twice a day for a couple of hours.
How frustrating about the burnt dinner - can you try to ensure that you keep a loaf of cheap sliced bread in the freezer as "emergency rations" so at least you have toast if that sort of thing happens? Maybe also a few 45p cans of soup on the cupboard, or even a packet of cuppa soup type things?🎉 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
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