2018 Frugal Living Challenge

Frugaldom

Sorry, November is one of my busiest months and I post elsewhere, I'll try to catch up soon.

shish100

FrankieM - Great news on the boiler!

Things are just plodding along for me at the moment. I'm a bit behind on my Christmas shopping, so I think this weekend I need a plan. I already have a list (checked it twice!).

FrankieM

Morning All

I need to give my head a wobble. I've had a terrible week food and money wise and need to get back on track.

I think the tiredness of lots of work is catching up, but I'm close to being debt free that I can taste it!

I was going to plod along and get it paid off by the middle of next year but I'm trying to get it paid off as close to the beginning of the year as I can so that I can start the year as I mean to go on.

It feels like short term pain for long term gain, but I just need to keep that as my focus so I don't fritter money away in my tiredness.

All Christmas presents now bought, just wrapping paper and gift tags needed.

And because the temperature has warmed up, I've turned the heating off again

I also changed my energy provider yesterday. It looks like it'll save me about £200 a year.

Hope you all have a good day

mumof3.12kindebt

Due to frugal living since November last year. We have managed to clear 16k of debt. And have 5k in our emergency fund. (4k was from the sale of my car) . This was with an income of around 35k while bringing up 3 kids. All 9 and under.

So now we are debt free.
And have our emergency fund

We are finally moving on to our house deposit fund !

DawnW

mumof3.12kindebt wrote: »

Due to frugal living since November last year. We have managed to clear 16k of debt. And have 5k in our emergency fund. (4k was from the sale of my car) . This was with an income of around 35k while bringing up 3 kids. All 9 and under.

So now we are debt free.
And have our emergency fund

We are finally moving on to our house deposit fund !

Well done Mumof3 - I remember that feeling! You will have to change your user name now

datlex

I'm snowballing things I need to get for/ do for the bungalow. Bit like paying off debts in reverse. Saving up first to have garden cleared, goal is February before spring due to birds nesting.

cw18

mumof3.12kindebt wrote: »

So now we are debt free.
And have our emergency fund

We are finally moving on to our house deposit fund !

Congratulations :T:beer:

FrankieM

mumof3.12kindebt wrote: »

Due to frugal living since November last year. We have managed to clear 16k of debt. And have 5k in our emergency fund. (4k was from the sale of my car) . This was with an income of around 35k while bringing up 3 kids. All 9 and under.

So now we are debt free.
And have our emergency fund

We are finally moving on to our house deposit fund !

This is so awesome. Congratulations

Kerry_Woman

mumof3.12kindebt - Congratulations. That is wonderful news.

Frugaldom

mumof3.12kindebt wrote: »

Due to frugal living since November last year. We have managed to clear 16k of debt. And have 5k in our emergency fund. (4k was from the sale of my car) . This was with an income of around 35k while bringing up 3 kids. All 9 and under.

So now we are debt free.
And have our emergency fund

We are finally moving on to our house deposit fund !

:T:T:T FABULOUS! WELL DONE!

Good luck with the future saving, as it is so much easier once you see how/where/when huge savings can be made and avoid the urge to use longterm credit. Mortgage next?