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Ongoing Journey to being a Frugalista..
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Thank you everyone for dropping by despite the lack of posting, longest gap in years
! Hope you’re all well and safe in these challenging times. We are good, all back together again for Christmas but back in T3 as of today.
I am determined to get my act together on posting again and reading the diaries, too many RL things got in the way over the last few months. But a new year and a new beginning, so I will try to be more disciplined in a number of things including journalling! So we have been continuing to pay down the consumer debt accrued over the past 3-4 years and the end is in sight, £1796 to go. So that should go next month, even though I have a small tax bill to pay back from my freelance days. Builder coming back too so more instalments to pay then. Then we need to start paying back the house repairs loan and replenishing the ISA and the EF. But all doable. I should be cautiously optimistic but the gloom of the pandemic hovers.. as I know it does for us all
Have a lovely Boxing Day all you wonderful people, much love Brizzle xx2 -
Lovely to hear from you again!
All sounding good"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Thanks jwil, happy Christmas to you x3
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Happy Christmas, briz - may 2021 be a good year for all of us :)xxI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £203
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Happy Christmas, glad all is well. Hopefully 2021 will be the year of our journey back to normality 🤞I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Yes indeed, good to see you back and onward to 2021 - If our collective will counts for anything, it will be better. Awesome you have so little consumer debt left. You really must take a moment to reflect on where you started. And maybe a small celebration when it has gone?
Def Con 4 here, having sped through Tier 3 without a stopping service. Rather wish I was a hibernation breed sometimesSave £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here4 -
Good to hear from youI 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.3 -
So pleased to read your post. Well done with the debt too! Your pup must be getting big now!🐶
Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”2 -
Great to hear from you. Hope your pup is settling in
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1243 -
Thanks all, hope you’re enjoying this inbetween stage between Xmas and NY. We are making do with dog walks and lots of movie watching. Have even started a big jigsaw puzzle!! Eating leftovers and just enjoying being still.
Pup is huge. Rather thought he’d take after his dad but nope a huge lab is being grown here. 15kg already, maybe more, and he’s less than 5 months. We are fiddling around with food to try and help his joints as he’s a fast growing breed and carefully weighing out his feed. We use the mealtimes for training and tbh he’s an affectionate attentive pup who is eager to learn. Lots of work, but worth it. All sorts of tricks and commands nailed but jumping up when saying hello, using a crate (!) and being ok when me or OH leaves him, even when he’s with other family members needs work. Oh well, he’s only young so just need to be consistent and keep going.Anyway speaking of the dog need to get up, think he needs a pee
brizzle xx4
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