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“Rock bottom became the solid foundation on which I rebuilt my life.”
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Hope you have a peaceful magical time.Relax & enjoy.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.0 -
Thank you
We are all very happy and excited todayHave to say the excitement is even spreading to me! Who hates this time of year :rotfl:
We have more out-laws visiting today and tomorrow :cool: Hoping the visits are short! We have lots of plans!
Nursing home loved their baked goodies and crafty things :A Smalls had a wonderful time. Food bank received some extra bits yesterday too. We have dropped some things into the toy donation box but we don't really have muchSo I felt a bit guilty about that but anything is better than nothing I guess!
We decided on Beef for Xmas roast so that's out defrosting.
Hope everyone is well and having fun! x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Hope you all have a lovely Christmas W, you've been so busy, you deserve a rest!
All the stuff you do to help other people like baking for the nursing home & donating to the food bank is really amazing.:T Glad that the good karma is being returned in the form of surprises in the post, you deserve it.:beer:
Enjoy your outlaw visits, hopefully short & sweet.Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £11,174, Car loan 2 £5,532, CC 0% BT £780. Debt Free Diary to try & keep spending in check.0 -
You are such a kind person WF, taking things to others less fortunate. Well done you
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Have a great Christmas xxMummytogirls x0 -
Nursing home loved their baked goodies and crafty things Smalls had a wonderful time. Food bank received some extra bits yesterday too. We have dropped some things into the toy donation box but we don't really have much So I felt a bit guilty about that but anything is better than nothing I guess!Have adventures. laugh a lot and always be kind.0
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That's so lovely of you and a brilliant example to the smalls xxI get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Gotta share what we do have, nothing special really
Just some baked goodies etc. Practically free to us other than time but makes it worth it seeing them making someone smile.
We have had a movie night, smalls away to bed now. They are so excited it makes me so happy to see them right now
Out-law visit 1 completed (We made fudge/truffles and biscuits in the end) Along with cards smalls made. Other set of them say they will visit tomorrow but I doubt it, we haven't seen them for over 2 years. If they don't I'm sure we will find someone to hand out the goodies too.
I'm really tiredI didn't get to bed at all last night! Just as I was ready to settle it was coming light!
Need to order my new diary and calendar soon then I can get it sorted before going back to work and school..“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Movie night sounds fun Wannabee
. I hope you get some sleep tonight.
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 -
Hope you have a lovely day tomorrow but sounds like it has been Christmas at your place for a few weeks already with all the great activities0
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Hi WbF
Have a fantastic day tomorrow and I hope Santa is good:)0
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