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Put away your purse & become debt-averse
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Your meeting with family sounded lovely. I’m looking forward to my dd and gdds coming on Thursday. The need to get a train to London followed by one that goes to the big city near here…..they should get off the stop 5 minutes before the big city. BUT they hadn’t released any tickets up to last week so she is travelling from London to the town on the opposite side of The Pennines about an hour away. I’m going on the train to meet them and we’ll travel back here together. There used to be3 trains an hour from our town to London now it’s 1 an hour and the tickets go very quickly 😡 Fiasco isn’t in it 😡
You sound very organised get ready for a busy day 👍January spends - £587.584 -
@EssexHebridean I do ours at the beginning of the month with Octopus and they send reminders when it is due. They also give notice each month of when they will be taking your payments.
2 Scratters xxAnything is better than nothing-check back and see
On the declutter journey since 2023 with Mrs SD. Tilly Tidy since 2023.2 -
2Scratters said:@EssexHebridean I do ours at the beginning of the month with Octopus and they send reminders when it is due. They also give notice each month of when they will be taking your payments.
2 Scratters xx🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
They’ll produce more bills (for random periods), but the DD will still be taken at the same point each month. I guess it depends how much you look at the bills to keep track of things as to whether that’s an issue or not.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 Hemingway3 -
That last bit is it - I DO use the bills, so I'm keen to avoid creating more than one every month-ish if I possibly can!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
@foxgloves I do hope you speak to your cats like babies… https://www.theguardian.com/lifeandstyle/2022/oct/25/communi-cat-ive-cats-attentive-to-owners-voice-research-finds?CMP=Share_iOSApp_Other2025 decluttering: 4,011 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟
2025 use up challenge: 344🥉🥈🥇💎🏆
Big kitchen declutter challenge 113/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
@QueenJess - Interesting article, thanks for sharing the link. I do talk to them all the time. I don't think I do a baby voice though. Today, I asked them whose paws were responsible for the mud walked across my credit card statement! There was no response.
(It was Ash)
F2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.8kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)6 -
I talk to the dogs all the time inclluding when we are out for walks. I do get funny looks sometimes but cant imagine why>5
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I didn’t realise what rubbish I talked to DD until now when she’s starting to talk and has learnt from my incessant chatting. Yesterday she waved and said goodbye to a puddle 😂
I don’t have cats, but I did when I was growing up and happily chatted to them a bit like babies. Or since I didn’t know any babies at that time, maybe I chat to my baby now like I did with cats 🤔😆2025 decluttering: 4,011 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟
2025 use up challenge: 344🥉🥈🥇💎🏆
Big kitchen declutter challenge 113/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5005 -
Thanks for the article QueenJess - very interesting and I certainly talk to my two using baby-talk and they listen more to that than when I use my normal voice when I’m cross with them! But B&W cat thinks he’s my baby anyway - never seen such a daft and needy cat!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 Hemingway4
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