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Ongoing Journey to being a Frugalista..
Comments
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Such wonderful news. It's lovely seeing a few folk who've been around for a few years letting us know that they've achieved debt freedom4
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7 years to get your ducks in a row is eminently do-able - for us it was about making sure we had saved enough to cover the gap between stopping work and getting pensions in two stages - first occupational and then state ones. So far so good as long as the chancellor doesn't move the goalposts againSave £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 -
Woo hoo! So pleased for you. Very encouraging for me who is a few year's behind youSave £10,500 - £2673.77 - 25.5%
Pay off £7000 - £1743 - 19.4%
Make £2021 extra income - £99.753 -
Brilliat news, brizzle! 🎉🙌👏😁I 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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Fantastic news brizzle! Congratulations and very well done! You and DH must be over the moon!Have a virtual bottle of bubbly!🍾😀
Looking forward to reading your posts as your next journey progresses.xFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”3 -
Most fantastic newsI 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 -
Congratulations Brizzle"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 McGee3
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Thanks all - still buzzing with it all!! It’s a brilliant feeling.Was lovely doing YNAB with room to put money towards Christmas and longer term plans. A vehicle is being serviced though which will cost but we do have a reserve earmarked for that. I am also planning to put money this month into the S&S ISA to help increase that buffer and over the next few months we will try and put 80% of OHs wages into either the EF, the ISA, against the home maintenance loan or my pension. We, like everyone else, have a social life that’s on its a*se so got to be a slim silver lining. At least for the rest of 2021 we think we can be fairly frugal. Not sure what SSG or SA (hi SA or SSG) will be doing for holidays but think we may be binning our planned Italy trip. I can’t see us being able to easily travel through Europe as it may just be easier to stay here or so a short trip to a beach rather than a long road trip. We also have the pup now..another consideration!!Have a great weekend all
Thanks again for all your support, it means so much
BG3 -
We will be going on holiday as soon as it’s feasible. Hoping for Zante in August then Lanzarote in October but will be content with just the October one if need be or even wait until next year. Both countries are desperate to get UK travellers back and are putting everything in place to make that possible. Won’t be booking anything until there’s no quarantine this end though, don’t want to spend 14 nights in a Travelodge for the sake of a week abroad 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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I've made a decision to stay in the UK during 2021 and hopefully next year things will be different on the travel front and we'll all becback to some normality. I agree with SA about the Travelodge! Restrictions permitting I'm off to stay with DD in Scotland at Whitsun which I'm looking forward to as I haven't seen her since August and my New Year's trip was cancelled.Like you I see a few more frugal months ahead until we're all 'released!' - I'm just thankful that I've had a steady salary throughout and have been able to save.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”2
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