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Your Christmas day sounds very chilled SA (apart from the dog sick 😳).
The golf course walking trail looks nice, hopefully it will dry out at some point! The dog looks very smart in her coat 🐕.
Well done for not spending money, especially with all of the online sales on 😇.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 MONTHS5 -
Christmas Day sounded lovely and peaceful and spent how you wished. The walk you went on today looks good but very muddy , as you say one for the summer.Life is an adventure, never stop exploring.6
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Lovely photos SA🙂.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 176 -
It will be lovely in the spring or summer and particularly once the pub across the road is allowed to reopen. Would’ve been nice to sit outside it with a bevy.I get knocked down but I get up again (Chumbawamba, Tubthumping)6
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Lovely pictures x6
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Glad that you had a nice ChristmasI 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.6 -
Not tempted by the sales as don’t need anything apart from some waterproof gloves for taking the dog on the park. Mr SA has suggested I wear my bright yellow marigolds for this purpose - no!!! 🤣I get knocked down but I get up again (Chumbawamba, Tubthumping)7
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Glad to read you had a good Christmas SA and your photos were lovely!And at least Mr SA will smell beautifully fragrant all year thanks to his presents!😀. Also had to laugh at his idea of a 'light lunch'. 🤣
@dawnybabes - so pleased you and DS were able to spend Christmas Day with OH.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”6 -
Sun_Addict said:Not tempted by the sales as don’t need anything apart from some waterproof gloves for taking the dog on the park. Mr SA has suggested I wear my bright yellow marigolds for this purpose - no!!! 🤣7
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That that walk looks lovely,I also loved your little dogs coat 😀 B has a coat and a jumper but she doesn't like either of them 😀Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1208
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