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20/20 Vision (repaying a debt to my home and myself)
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I hope you manage to get the scarf and coat you want in the sale, 40 per cent is quite a good reduction. Great bargains on the fruit and veg!Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
I'm with you on the meal planning and budgeting DIA! I was doing fairly well this year but the last couple of months have been pretty rubbish. Must get back into it for the sake of my wallet, my health and my sanity!
Hope your coat and scarf nudge down in price soon
Sealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0000 -
Thank you DIA - good luck for 2019
I'm getting ready for 2019 - hoping for a year of mainly gradual improvement with a few big changes/events. Will be good to see where we get to!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine0 -
Just popping in to say Happy New Year to you.
Am subscribed so keep up to date regularly.
Couldn't face Christmas Eve bargain shopping,but aim to do it next year as it sounds very productive.
Here's to a hopeful and positive new year.0 -
Wishing you a happy & healthy 2019 filled with good fortune I 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.0 -
Thanks HH. It is a good reduction but you would have to see the starting point to know why I am still waiting :eek:HairyHandofDartmoor wrote: »I hope you manage to get the scarf and coat you want in the sale, 40 per cent is quite a good reduction. Great bargains on the fruit and veg!
I hope you've done your meal plan. I have done mine (smug)Homegrown0 wrote: »I'm with you on the meal planning and budgeting DIA! I was doing fairly well this year but the last couple of months have been pretty rubbish. Must get back into it for the sake of my wallet, my health and my sanity!
Hope your coat and scarf nudge down in price soon
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Thank you DIA - good luck for 2019
I'm getting ready for 2019 - hoping for a year of mainly gradual improvement with a few big changes/events. Will be good to see where we get to!!Mrs_Boo_Boo wrote: »Just popping in to say Happy New Year to you.
Am subscribed so keep up to date regularly.
Couldn't face Christmas Eve bargain shopping,but aim to do it next year as it sounds very productive.
Here's to a hopeful and positive new year.
Thank you all. Wishing you a wonderful new year too :AWishing you a happy & healthy 2019 filled with good fortuneIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
So my hot water burst and the first I noticed was a wet chair. :eek:
I disobey all hot water bottle rules. I overfill, I use too hot water and top up with boiling
My plan was no spend today but life without a hot water bottle is inconceivable so I will be going to Boots today. I will walk, so at least I get my 4 mile walk in.
As I am spending I will be buying my computer external drive.
I am thinking about next year like everyone else. I am wondering if I could live on £1,000 a month for the next three months. I can then siphon anything extra to doing things on the house. Once the big bay window is in in 2 weeks time :j I need to find the decorating money (the room has dodgy walls) and then the money to sand and seal the floor. I could do all this by Spring (I think) if I live on £1,000 until April
Right off to replace the hot water bottle.
I will be back later with an end of year summary which I am sure you are holding your breath for
Enjoy your last day of 2018If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
I am sure that you could live on 1k a month as you have no debt & no mortgage I 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.0 -
Thanks for the confidence vote beanie. If I wasn't running a car I would say I could. I would want to be frugal, but not miserable and 'live' is what I want to do rather than survive, but I am going to give it a go. Also, if I left work to pursue (poorly paid but wonderful) creative pursuits living on £1,000 a month would a very useful skillI am sure that you could live on 1k a month as you have no debt & no mortgage so I am keen to give it a practice run If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250
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