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“Rock bottom became the solid foundation on which I rebuilt my life.”
Comments
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I hope you feel better soon Wannabe. No wonder you're exhausted, but you're a miracle worker holding it all together and caring for your family.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 -
I’m not surprised you’re exhausted - please don’t forget to look after yourself. Won’t do the little ones any good if you end up even more poorly than you have been.January spends - £587.580
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Thank you.
Think I'm struggling with the back cloud a little. It's so exhausting. Then the worry and things on top is not helping. Tomorrow we are back at the children's. This means an earlier start than usual. Walk to drop the older two at school. Walk the 45 minutes at least into town to the main train station to get the train into the city. Then quite a walk that end then that in reverse to get back. Walking to prevent the extra travel costs on top of the train fare and school costs for breakfast and after school care. Really hoping tomorrow shoes more normal blood results so we don't have to come back Friday. Emergency review is being scheduled as soon as possible so that will be another day over there too.
We finally have the xmas tree up. I haven't baked so have used some of the xmas treats in pack lunches and bribes to keep the youngest peaceful when needed.
Really haven't got much else done or to say. What a long dark month and we are only just half way through. The weather is as miserable as me and we have been wet all day!
What a moany post“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Not moan - honest....you need to be able to vent somewhere.
I don’t envy you being out today - it’s been horrendous.January spends - £587.580 -
Not a moany post at all.
Just saying it as it is.
I don't know how you do it 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 -
A long dark month but the season changes on 21st and the birds start singing again a few days later - I always love that. (How do they know?)
The weather has been wet and windy today. I hope it's better for you tomorrow. 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 -
Sounds a long way with a little one. Hope the weather is dry for you tomorrow.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 170 -
You're not moaning - just explaining the next few days.
That's a hell of a walk there and back. Do you currently have a weekly/month bus pass you can use to get from railway station to hospital?
You're doing brilliantly. Like everyone else I'm not sure how I you keep it up.. XDebt: £11,640.02 paid in full! DFD: 30/06/20
Starter Emergency Fund (#187): £1000/£1000
3 month Emergency Fund (#45): £3300/£33000 -
Thank you.
I took my painkillers and went to bedleaving more to do This Morning:o But we've got it done and are going to be heading off for school in a couple of minutes.
The wet/cold along with the walking leaves me feeling 90. So I wasn't in a very good mood last night
PB I have a monthly bus pass. Youngest doesn't though so I'd need to pay for her. It's nearly £10 for us both train fareSo I can't afford any extra bus fare this month
Have made youngest a pack lunch. Have packed snacks and drinks for her and a bottle of water myself. Hoping for no spends other than the train fare and £15 to school.
I'm missing something the older two are doing at school this evening and I feel guiltyBut kind of glad it saves the costs of going on top of everything else
Hope you all have a lovely day xx“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
I hope things improve soon. It's not moaning, anyway, it's your diary and if it helps to offload here then do so."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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