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My journey to a debt free life

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  • Good idea to get the thick jumper out. It is going to get really cold next week apparently
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £570/£3000
    .

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    Decluttering items 929

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    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Sorry to hear you've got Covid again. I hope that's the worst of it over with but do rest a bit more than you feel you need to. :) 

    It's very good to hear you are pain-free, though, and the emergency appointment didn't pick up damage.
    Thanks Cherry, today has not been too good Covid wise but still no pain so that's good news 😊
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Good idea to get the thick jumper out. It is going to get really cold next week apparently
    The thick jumper didn't make into the washing machine because it was freezing here today so I wore it, I'm tempted to leave the jumper I'm knitting and knit myself another thick one. They knit up quite quickly and it hasn't got a pattern so is really easy. I've got some wool upstairs that I knitted a chunky cardigan with but I didn't like it so undid it all. I'm going to look to see if I can find the pattern 😊
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • I didn't feel too good at all today after a night with hardly any sleep 😟 still no pain though so that's good news. I'm so frustrated that I've caught Covid again just as I was feeling better,I've got so much I need to do.
    DD1 dropped some emergency shopping round this morning and picked up an M&S order that had come in for me ( pjs for the DGS) and tonight I ordered a couple of presents for both DDs. I buy them a Christmas decoration every year so I bought them tonight, I was going to get something from the Christmas market but its highly unlikely I will go back there now.
    I've got both DDs main presents so these are just little bits we do every year ,I still need to sort out the DGS's, my mum and dad and my SIL. Mum and Dad will be some sort of food hamper but I haven't a clue about anyone else 

    I finished my book last night so today I download an Agatha Christie called Midwinter Murders, I thought it was apt for this time of year,it's a collection of short stories  and quite good so far. I also watched half of the Film Deck The Halls today and then a programme about Libertys which is my favourite store in London. I don't like it for the stock so much but for the actual building, it's especially beautiful at Christmas and their Christmas shop is amazing . I went to visit a few years ago and treated myself to a liberty Christmas bauble which is gorgeous. I did feel very uncomfortable watching it this year though because it's very high end and I kept thinking about everyone struggling to pay their bills while people in that shop are spending over £200 on an advent calendar 🙀

    Talking of advent calendars,I got the one I made last year out of the loft but it's empty because I haven't been able to go out and buy any sweets to put in it, mind you the thought of eating chocolate is making me feel 🤢so that's ok 😊

    Today I have been craving Bovril but neither DD couldn't find any. DD2 went to the shop and came back with some carrot and coriander soup so I had some of that for my tea. I used to love it but ate it too much when I was doing slimming world years ago so I went off it but this one was really nice ( Mr T) I only had a quarter of a bowl with some bread and butter but it filled me up

    DD1 sent me a video earlier of the DGss on the Polar Express,they sent me a message saying they missed me and wished I was there 😍😍 it was really cute 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • SuzeQStan
    SuzeQStan Posts: 1,712 Forumite
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    Good to hear you are being so well looked after by family OBL - hope you are on the mend very soon.  

    I love Libertys too but haven’t shopped there since before pandemic.  The Liberty beauty advent calendar has always struck me a false economy.  Why spend hundreds on samples in a pretty box?  Most of which comprise items that were overstocked/poor sellers and are regularly available as ‘free gifts’ with threshold spend several times a year. 

    Shame about the bovril - I always swear by potato soup - couldn’t be simpler - boil potatos, stock, seasoning and some softened onions or whatever veg you have to hand. Can be whizzed or eaten chunky as to preference. 

    Feel better soon OBL xx
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    Mortgage freedom January 2024 - paid off 7 years early by making overpayments where we could.

  • maggiem
    maggiem Posts: 1,951 Forumite
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    HI OBL, glad to read the aches and pains have gone and hope your recovery from covid goes smoothly. I think you can have the autumn booster 4 weeks after having had covid as that's what we were saying at the vaccination centre. However a lot of centres are closing but I think pharmacies are going to continue to offer booster. 
  • Cherryfudge
    Cherryfudge Posts: 13,324 Forumite
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    The first time I saw Liberty's was about this time of year and it had the most enormous red bow tied across the half-timbered front. I think that was around 1983 so I've never been able to find a picture of it but it's still in my head. :)

    £200 on an Advent calendar though...! I'm not against treats, we could all do with some sometimes, but I can't help thinking that's mostly profit.

    I hope your reknit turns out well. I was looking at chunky jumpers in the shops but so many this year seem to be recycled plastics which I feel is just delaying the point at which the plastics go into landfill (I may be being the Grinch here) so reusing a yarn you already have is a win-win. What's the yarn like?
    I think a bit of sunshine is good for frugal living. (Cranky40)
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  • Onebrokelady
    Onebrokelady Posts: 7,805 Forumite
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    SuzeQStan said:
    Good to hear you are being so well looked after by family OBL - hope you are on the mend very soon.  

    I love Libertys too but haven’t shopped there since before pandemic.  The Liberty beauty advent calendar has always struck me a false economy.  Why spend hundreds on samples in a pretty box?  Most of which comprise items that were overstocked/poor sellers and are regularly available as ‘free gifts’ with threshold spend several times a year. 

    Shame about the bovril - I always swear by potato soup - couldn’t be simpler - boil potatos, stock, seasoning and some softened onions or whatever veg you have to hand. Can be whizzed or eaten chunky as to preference. 

    Feel better soon OBL xx
    I agree about the advent calendar it is a false economy, it hurts my head to even consider that people buy it 😟.

    I like a nice leek and potato soup but I do have to be in the mood to eat soup so don't end up eating it very often 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,805 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    maggiem said:
    HI OBL, glad to read the aches and pains have gone and hope your recovery from covid goes smoothly. I think you can have the autumn booster 4 weeks after having had covid as that's what we were saying at the vaccination centre. However a lot of centres are closing but I think pharmacies are going to continue to offer booster. 
    Thanks that's handy to know, I might be able to get it at work when I go back 😊
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,805 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    The first time I saw Liberty's was about this time of year and it had the most enormous red bow tied across the half-timbered front. I think that was around 1983 so I've never been able to find a picture of it but it's still in my head. :)

    £200 on an Advent calendar though...! I'm not against treats, we could all do with some sometimes, but I can't help thinking that's mostly profit.

    I hope your reknit turns out well. I was looking at chunky jumpers in the shops but so many this year seem to be recycled plastics which I feel is just delaying the point at which the plastics go into landfill (I may be being the Grinch here) so reusing a yarn you already have is a win-win. What's the yarn like?
    The wool is one of those that changes shade and I actually went off the colour bit I would be ok for wearing round the house. I've got a nasty feeling I donated it my local wool shop now though for a charity they support 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
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