Being called frugal is the best compliment

Dorisd

I was wrong on my language streak I’m on 19 days 🥳

beanielou

Great news on the debt.

savingholmes

Well done on being almost free of debt - and being able to create a 3 month EF quickly. Sounds a great target

Dorisd

savingholmes said:

Well done on being almost free of debt - and being able to create a 3 month EF quickly. Sounds a great target

Thank you @savingholmes it almost doesn’t seem real. I think it has come at the right time judging from ML money show and reports of rising inflation and cost of living rising. DH and and I were just discussing how fortunate we feel.
It was such a long and sometimes hard road, thinking back to when I worked 2 jobs  7 days per week, having black circles around my eyes for 2 years. On my way to job number 2 I would repeat the D Ramsey saying “Live like no one else, so later you can live and give like no one else” to try and get me through my shifts and I would watch DR on YouTube on my breaks to keep me focused when I wanted to do was pack it all in.
I never want to be in that position ever again.

Dorisd

Almost forgot my goals rundown for today
Exercise - 5k run ✔️

Learning - Portuguese lesson ✔️

NSD- 3/20 days ✔️
Decluttering - 2/2022 ✔️
Sales - 2/£47 ✔️

Debt - £923

Dorisd

Happy Saturday, quite happy that week is done. Work is starting to gear up again but as I’m not in management anymore it doesn’t effect me negatively. I’ve had some positive comments from my managers and I like my colleagues.
Yesterdays totals that I forgot to record as I went to bed early.

Exercise - 14,000 steps ✔️

Learning - Portuguese 20 day streak✔️

NSD- 3/20 days ✔️
Decluttering - 2/2022 ✔️
Sales - 2/£47 ✔️

Debt - £923

Must get a move on and get to the bank and Mr T for some supplies aiming to do some food prep this weekend to stop the midweek takeaway trap and also to help DD who is doing veganuary.

Dorisd

Weather here is ☔️ and 🥶. What a waste of time going out, went to bank only to find the coin machine was not working, £shop was completely empty, either closing down or having a clear out for a refurb so nothing bought. I waited half and hour for a bus only for it not to stop at the bus stop so turned around and came home. It looked like I had wet myself 😳 as rain had dropped down my back onto my jeans! 

Home now with a cuppa and will make dinner today from stores, meal prepping can wait till tomorrow.

savingholmes

Sorry the weather was so pants (had to be done).

Seriously sorry that the weather and the buses were against you. Well done for staying the course with the DR method. It speeded up my journey - but I don't agree with him on pensions at all - and am very grateful I ignored that advice.

Dorisd

savingholmes said:

Sorry the weather was so pants (had to be done).

Seriously sorry that the weather and the buses were against you. Well done for staying the course with the DR method. It speeded up my journey - but I don't agree with him on pensions at all - and am very grateful I ignored that advice.

I’m with you in not following DR advice on stopping your pension. Mood is only slightly better as ……….. WE’RE DEBT FREE!🎉🍾🎊
Paid the final loan payment today, can’t say I feel that differently. Maybe once I get to payday it might.
If anyone is reading, you can do it. It might take longer than you plan but you can get there in the end. There is hope and light at the end of the tunnel.

Four_Seasons

congratulations, very well done x