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2020 - 'Nothing in your life will change until you make the decision to change'

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  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thank you jwil
    Appreciated  :grin:  xx
    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.
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kitten868 said:
    You're making me jealous with your swift organisation. I haven't worked out uniform yet. It all sort of fits still. Like just fits. So I'm going to wait and get them to try it on later. I'm wondering if I can make it last til Christmas. I expect I'll get unstuck in October.
    I can't get through comics and colouring in either. It all feels like a waste to get rid of. Oh! And stickers. We have a whole drawer of stickers. 

    Very pleased with your attitude towards your self and your clothes. Definitely the right way. You deserve to feel happy in your clothes as you are. 

    Keep up the amazing work xxx
    Thank you :)

    I hate the waste of the comics and colouring books, but equally there's no point in keeping them.  Little miss loves stickers so she should be fine using them up on cards and notes :D 

    I've got a few bits of uniform that will last, but others I have been making do in the hope that it lasted til Summer.  Some of it wasn't replaced last year so it's done a good job.

    So much is stained by sun cream though, I just can't get it out.  Does anyone know which sun creams do not stain?  I need to get something new now as I don't want to ruin another batch of shirts!
    "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 McGee
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You inspired me with the school uniform! I have sorted a bagful out including 5 pairs of shoes for the local uniform exchange place & a bagful of sports stuff including 4 pairs of trainers for a children’s football team in Africa plus a bag for the charity shop! Have also made a start on ordering bits of uniform for the boys. I no longer buy a whole new set for the boys. As long as it fits & isn’t stained I don’t mind if it’s a bit wash worn or bobbly so only buy as I need. Make summer a whole lot cheaper!   Great news about your children’s reports 😁 and good on you for wearing clothes you like 😁 x
    Ooh well done on being organised!  I shall look at ordering once payday comes.  I will reuse stuff in good condition, it seems such a waste to buy new each year when the existing is perfectly good!

    beanielou said:
    Thank you jwil
    Appreciated  :grin:  xx
    You're welcome, hope they were of use :smiley:
    "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 McGee
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It seemed like such a good idea to work from home with the kids on holiday :D:D There's me on meetings/calls with the kids arguing in the background.  Little miss is going to be bouncing off the walls by the end of the week!  I did slip them out for a walk this morning between rain showers.  At least I've got the next two weeks off so they can get out and about.

    I've had another spendy month, so I'll have to replenish my pots again on payday.  It's rather annoying but my own fault.  It's not as much as last month though so I'm slowly improving :D 
    "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 McGee
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    The ones I wanted were sold out sadly  :(
    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.
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    The ones I wanted were sold out sadly  :(
    Oh that's a shame :(
    "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 McGee
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Yes, the ones like magic trousers but shorts  :(
    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.
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    End of month update:

    Debts:
    1. £8,153/ £0 😁
    2. £3,754/£3,605
    3.  £1,856/£0 😁
    4.  £4,726/£4,684

    Total: £18,489/£8,289

    Car - £1,000/£0 😁

    Mortgage - £108,099.83/£103,901.65

    Savings:
    LISA: £613.36
    Premium bonds £400
    Emergency fund: £304.42
    Cash Buffer: £1060
    House improvement fund: £10
    "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 McGee
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Fabulous progress, well done!
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

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