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Things can only get better
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I mainly do it so I don’t buy or read the same book twice 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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SA, I have done that with library books before, reading along then thinking this seems familiar….😂
I too list my books on goodreads to avoid accidental re-reads and also to remember what number of a series I have read, I forget otherwise and end up with another accidental re-read. 🤦🏻♀️I like doing the yearly challenge as well, I managed 112 books last year.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.7 -
I haven't listed my totals for a while:
Mortgage £12,974.72
Further advance £5,167.53 (have overpaid this by £400 over the last 4 months)
Windows/door £3,875.38
Regular Saver £1750.00
Christmas 2022 £50.78
Emergency fund £6000.00
Holidays £1791.00
House £260.00
I'm not counting the various spending pots in with this lot as they fluctuate so much.
I kept a running total of NSDs over 2021 and they totalled 146 days of the year I spent nothing at all. Need to smash that target this year.I get knocked down but I get up again (Chumbawamba, Tubthumping)8 -
Very impressive
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Your pots are awesome.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.5 -
The figures are looking good 👍January spends - £587.585
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Fantastic figures xAs a dear MSE friend says “keep plodding” or
What does the saying say.... When life hands you lemons, make lemonade
Or as my Mum would say, brush yourself down, tomorrow is another day or
Fake it, to you Make It
Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away4 -
I can’t emphasise enough what a difference it’s made with Mr SA no longer having anything to do with the finances. In the past he would’ve seen those totals and spent them, although to be honest they would’ve never built up in the first place. It has been a constant battle with him over the years, for some reason he is very anti saving. I really do think things happen for a reason sometimes.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Do you know SA I sometimes think when reading your diary I’m reading my own my one regret is I couldn’t get a grip on the financial side of things Earlier life would have been so different but you can’t live on if only3
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Never too late @IzzyBee, time to take control 💪I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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