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Cheery's country living adventure
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πππ Cath ππ At least you could have pretended you were doing them a favour I suppose! π6
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Oh thatβs hilarious with the trolley - although to a degree maybe serves her right for taking SO much reduced stuff?! πππ MORTGAGE FREE (First time!) 30/09/2016 π And now we go againβ¦New mortgage taken 01/09/23 π‘
Balance as at 01/09/23 = Β£115,000.00 Balance as at 31/12/23 = Β£112,000.00
Balance as at 31/08/24 = Β£105,400.00 Balance as at 31/12/24 = Β£102,500.00
Β£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7 -
I did console myself with that thought - although there was a giant pile of it further round so I think she barely made a dent in it πΒ7
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Sorry to hear about Mr C's test result, I hope you remain clear of infection.
The orange incident π
Wishing you both a relaxing and joyful Christmas πFashion on a ration 2025Β 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
OneΒ income, home educating familyΒ7 -
Thank you BB π
Hope you are all having a peaceful festive day π I have, thankfully, tested negative - long may it continue!Β
Having a nice quiet breakfast now and doing a bit of ringing round family.7 -
Hello Cheery - glad to hear you've tested negative!
Sending you both season's greetings & best wishes for a happy and healthy 2022.
xxx RT & OH4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!7 -
Thanks RT, hope you've had a good day today
Well, as is often the case on Christmas day afternoon, my thoughts turn to plotting and scheming for next year, and right now I'm thinking about money.
Our accounts are looking woefully depleted after the kitchen spending extravaganza, and I'd like to turn my attention to filling them back up again! Obviously I'll be taking a two-pronged approach: cutting back on spending, and bringing in some more dosh.Β
Cutting back
This is a bit of a stretch goal, but I'd like to save Β£600 a month from normal income. This is roughly 20% of our income. We've not been saving ANYTHING since I dropped to 4 days, so this will be a challenge, but now the main fiasco of the kitchen is over, I'm hopeful we can get back to some good habits. Mr Cheery's pension is paid on 31st, and I'm going to put Β£600 aside straight away and see if we can keep it aside for the whole month.Β
Some plans to do this throughout uber frugal January (which might turn into uber frugal 2022...):
* cook from scratch, and batch cook to freeze
* eat some of the stockpile!
* use supermarket vouchers from covid study
* use Christmas vouchers for cafe trips, and don't spend any more than that
* no buying books, clothes or stationery for me!
Bringing in more
I'm not upping my hours at work again! So extra income will be coming from all the classic MSE things, starting with:Β
* MB for both me and Mr Cheery
* Prolific
I'd LOVE to make an extra Β£400 a month, but not sure how realistic that is. Β£200 would do as a start!Β
Not sure about other survey sites etc - we've got into such spendy habits that cutting back will make far more of a difference than trying to bring in Β£5 here and there at the minute, and I have other goals for the year as well.Β
I know I'm not saying anything I've not already said, just trying to cement things in my head a bit more! Back with more ponderings in a bit...Β
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Oh CheeryΒ
at the oranges!!Β
Goals for FebruaryDeclutter 2/50Money Made Β£0/Β£200Overpayments Β£0/Β£2007 -
Afternoon all - I've decided now is the time for a shiny new MFW diary
Do feel free to come over and join me!Β
https://forums.moneysavingexpert.com/discussion/6322077/simple-living-in-the-country-back-to-basics#latest
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