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Time fliesI 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 -
It really does, beanie - I use it sometimes as a motivator, when I'd really rather be hanging out watching a DVD or something, I did it yesterday, in fact. Unusually for me, I have a couple of fave poems too.
Off to bed soon, though, I'm shatteredNightie night, all :kisses3:
2023: the year I get to buy a car0 -
Sweet dreams 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 -
The secret to surviving Christmas is lists of lists & EVERYTHING & I do mean everything on a list, with an annual cull of those you exchange presents with. I don't even exchange a present with my sister but we have doubled up on what we do for birthdays. Kill the secret santa - my idea of a total nightmare. I have a friend who in January will come with most of the rubbish she has been given for Xmas and ask me to keep what I want & take the rest to charity shops, which I do in time for Mother's day. It took me over 10 years to stop her buying for me even though I told her I wasn't going to buy for her.
I'd far rather have a card which says I thought of you (even if briefly) than a present which says I went into Home Bargains/Bodycare etc etc & bought half a dozen of these to give to people & this is yours even though you've told me several times that you are allergic to a lot of this stuff.
I really am not a Scrooge but really resent people throwing money away just for the sake of saying I got you a present, I dislike the insincere thanks for something which anyone who has the faintest clue of who I am would never ever have bought me & also hate the thought that that might be the reaction to any present I bought for them.
Sorry folks - rant over.0 -
Excellently put, badmemory :rotfl:
Actually, my Christmas simply isn't as onerous as many peoples'. It never used to be, particularly, and nowadays its positively lightweightbrother needs a voucher, will also get a stockingfiller (Kilner accessories, I suspect :cool:), sis and me will swap cafe lunches, niece and nephew I buy for *do* need some thought. Partner, in my Christmas box I found a pair of RNLI socks proclaiming themselves "port" and "starboard" which I actually bought for him, but didn't see him for months when all the family stuff kicked off up north, so that will be fine. And thats it
I'm working hard at connecting with people, but I'm not going to get into exchanging presents with new people.
Today's ta-da: dishwasher, SB, emails about the house sale (and the christmas tree festival, had to lighten it up!) and now that the dw has finished, I'm off to town:
- see my new bank, get things set up
- buy some cards: I *do* need one more Christmas set, plus a new house oneand a birthday card.
- diary! I struggled on this year without a diary till May, and I'm simply not doing that this year - with the different groups I now belong to, its actually really necessary. Poundland's best.
Meetups with my sister later in the week, so today at home, I'll focus on the garden.2023: the year I get to buy a car0 -
- diary! I struggled on this year without a diary till May, and I'm simply not doing that this year - with the different groups I now belong to, its actually really necessary. Poundland's best.
I'm lost without a diary too. KC. One year I didn't buy one thinking I could economise and just use a notebook that I had lying around. Didn't work somehow and considering how little a really nice diary can cost at the discount shops these days it's pointless trying to do without one.
That particular year I ended up mid-year buying an academic diary which runs from August (I think) to the following summer. Defeated the object of economy though as I bit the bullet in December and bought a full year normal one ready for the following January, 'wasting' 6 months of the academic one:eek:. I like to see the year stretching from January to December, rather than the split-year style of the academic ones.
I don't know what size and style of diary you like, KC, I prefer the Page A Day A5 size myself. I usually buy mine at The Works. They have some lovely ones there sometimes and reasonably priced too. It's a bit late for me to recommending them now, you've probably already bought yours already today:rotfl:0 -
Hi CBC
yes, I have, actually :rotfl::kisses3:
This year, I did something similar to you - my May purchase was an 18 month one, not even academic, its very weird.
I really needed an A5 diary when I was working, but now, I think I can make do with a teenier one - still the same style, just smaller. Didn't even need to go to Poundland, a Card Factory has opened, so I splurged, it was all of £1.29, wider than the £1.20 version :rotfl:
Stocked up on birthday cards, and they had 2 x 10 Xmas cards at £2 in total, so I bought those too.
Big news is the local branch of my new bank were absolute heroes! Fixed my broken letter to find my pin number, and once that worked, wrote out my sort code and account number. As with HSBC, alarmingly little ID work - at a huge contrast to Lloyds and solicitors generally - but there you go.2023: the year I get to buy a car0 -
Afternoon achievement is equally positive :j
A dozen or so laurel branches cut down, and four big treetrunk pieces too. All of the branches (about 20 in total) have been detwigged, and all but the main branches themselves have been put in the neighbour's bin. The branches need me to use the saw, and my shoulder has told me enough is enough, but I have till next Tuesday.
Stopping the physical stuff now (its dark!) as I have a couple phone calls to make, and then I'm going to put my feet up. I *will* catch up with myself!2023: the year I get to buy a car0 -
Great news on the bankingI 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 -
Pah, tricky evening, so not very much sleep
I've been trying to do the stuff I need to do, as my sister's coming over tomorrow to help me paint some of those dratted sound insulation boards that didn't help - she wants it done before Christmas
So, I have:
- faffed with SB
- two loads of the washing machine
- put prospective dates for Jan and Feb in my new diary
- argh, haven't yet done half of the Xmas cards, and about a third of the ones that are left are tricky, need a letter to go with. Still don't have any printer cartridges, so they'll have to be handwritten
- been tidying, around the spaces that need to be clear for the painting tomorrow.
Must do:
- must, must actually cook something - even if its only lentils and onions and g/f pasta - for my sister.
- check paintbrushes.
- start to check my net worth. Does it exist? Will I ever get around to that? I seem to have another allergy .... no clue.2023: the year I get to buy a car0
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