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Earthgirl's Final Battle
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You have been a busy beeI 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 -
Hi Earthgirl - I have just stumbled across your new diary and wanted to wish you luck on the last leg of your MF journey . . . . you're gonna smash it!2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)0
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Hope work is okay today and the union gives you the support you need.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway0 -
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Work 'issues' can be horrible. I think your notebook of evidence is a good idea, as is getting Union advice. I was once on the receiving end of some accusations at work saying I hadn't done certain jobs. After this happened a couple of times I had photos ready for the next time which I showed my supervisor - I'd set my camera up to show the dates when I'd done the jobs too. Funnily, after I'd showed them, I never got accused again. Hopefully having your evidence will do the same for you. (And then I found another job where I was much happier
).
Hoping for a better day for you today. 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 -
Thanks for the well wishes. Things do seem to have settled down at work - although its only Wednesday!
Sorry I haven!!!8217;t updated I!!!8217;m just so busy.
Health wise I have started exercising again today but then felt famished so bought a donut. Doh! I need to look at diet again to try to feel fuller for longer, healthily and cheaply.
Getting up earlier is helping with exercise !!!8211; if I just do it straight away its better than leaving till later in the day.
I!!!8217;ve been working on OHs business which I!!!8217;d say is going ok.
I am hoping that this comes off but I have a long term reservation on our spare room at £400 per month for a 12 month contract! It is for a contract worker who is working at a nearby large company, and only requires the room 4 nights per week. It is the same company that we had the previous lodger from, and I!!!8217;m hoping it is a good fit !!!8211; the previous lodger was hardly here at all. It will incur costs for insurance, and I!!!8217;ll have to get a contract organised. Due to start 20 March.
I am also starting my new weekend job this weekend, so fingers crossed this goes well.
2 tutees booked in the week so £50 in.
My boys are OK, and certainly don!!!8217;t need any more football boots etc for a while! Youngest had a meltdown at football because he lost, hoping its just a blip, have cancelled my date with OH on Friday to stay at the football just in case. Have a lunchtime date scheduled with him tomorrow instead.
Opportunities:
Research cheap healthy filling meals and stick to them
Keep up with the exercise
Get up to date with work so I can get out on time!
Clear to do list including a banking update15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j
Progress not Perfection0 -
Saving £1400 per month to get rid of the mortgage and go on a great holiday is not going so well for the moment, but is still atainable.
If I add this up over the year it will be Save £16,800 this year.
In 2018 so far I have saved £1474. £1400 for January and only £74 for February. I need to decide to compare at the same date every month as I'm due to be paid next week. The challenge is to keep as much of my pay as possible
Still I have 10 months to catch up, and a lodger and making OHs business pay again , my new job and having students in the summer will help.15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j
Progress not Perfection0 -
That lodger contract sounds ideal!
Cheap and healthy ... sometimes they go together, sometimes they don't .... good luck!2023: the year I get to buy a car0 -
Great news about the lodger.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 -
Get enough protein in you to stay full - hard boiled eggs?
Hope the lodger happens. Fingers crossed.NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!0
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