Keep calm and carry on....

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  • newgirly
    newgirly Forumite Posts: 8,748
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    Have a relaxing day sc, well done reducing the booze :)
    2022 MFW 67 - 33 month challenge to clear mortgage, month 12 completed and on track 🙂MFI3 No.12
  • South_coast
    South_coast Forumite Posts: 4,523
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    Thanks NG, have given myself a weekly "budget" - am under so far :D

    More unexpected interest plus bank cashback = another £1.54 towards Project £36. Now £6.70/£36.00. Getting there :rotfl:
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • South_coast
    South_coast Forumite Posts: 4,523
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    £6.71 in from Prolific
    £5.00 in from Shoppix
    £18.41/£36.00 :D
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • South_coast
    South_coast Forumite Posts: 4,523
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    £6.80 received in expenses
    £5.00 in from Receipt Hog 
    £30.21/£36.00

    Cream crackered....zzzz
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • South_coast
    South_coast Forumite Posts: 4,523
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    Does anyone else wonder if they are blurring the lines between frugal and cheap? Definitely found myself falling into this trap recently, buying a £9.99 bottle of vodka I didn't particularly like, purely because it was cheaper than the £11.00 one that I do  :| Had to give myself a telling-off on that one  :(

    Have had the same thing this morning. Been browsing clothes on my favourite website (to give some context, not bought anything from them in over 6 months and was only looking at sale items - although ironically, I didn't think to go to their site at all until after reading on Frugalwoods about staying off your favourite sites if you don't need anything and it reminded me I haven't browsed for ages. Not sure my interpretation is what they were intending!) 

    So, filled my basket with £107 of stuff which should have been £334 full price, then found myself agonising over whether to go ahead and order. I'd gone via TCB, it was all at least 50% off, I could afford it, I'd been thinking about getting a new work skirt for ages, and there was no way I would be keeping all of it (I only need one skirt, not three) - so why the paralysis? I think I've just reached a point where I can't bring myself to buy anything that I don't NEED. Was it a good deal? Yes, because I love their clothes (practically the only thing I will wear) and baulk at paying full price (and I will send most of it back!) So I gave myself a talking-to and have placed the order, no doubt will agonise all over again when it arrives  :/
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • newgirly
    newgirly Forumite Posts: 8,748
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    It has to be a long term thing though, I’ve read some of frugalwoods and it’s great but very different from life in a city in the uk. Do not feel bad! You have done everything you need to get the best price, you are not shopping for entertainment but for what you need so enjoy 😉 
    2022 MFW 67 - 33 month challenge to clear mortgage, month 12 completed and on track 🙂MFI3 No.12
  • Bargainhunter30
    Bargainhunter30 Forumite Posts: 251
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    I'm the same South Coast and often feel like I'm taking it too far. Life is here to be enjoyed too and the fact that we are so conscious of our spending means we can allow and enjoy the occasional splurge rather than worrying about it! 
    Mortgage start date Nov 2014  - £90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


  • South_coast
    South_coast Forumite Posts: 4,523
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    Thanks both, it's good to have some reassurance. I just need to get out of the mindset that I am poor!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Grogged
    Grogged Forumite Posts: 865
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    Hello, just read your diary. If I may offer an opinion, you're investing in your self, which is never a wasted investment.
    Instead think of yourself being future rich, you're investing in your future and being happy in your daily (and work) life today is an important part of that journey.
    ATB G.
    If it's not adding up, compound it!
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