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2020 - 'Nothing in your life will change until you make the decision to change'
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My leggings have arrived! Very quick. They are lovely! Very comfortable and fit well. I'm very pleased with them so still frivolous but not a waste.
I've just spent £1.99 on an audiobook of The Planets which was the deal of the day.
To contrast with my spending, my library has just changed their e-book and audio book provider and there is much more choice on there now. I've managed to borrow the last few in the Sue Grafton alphabet series that I was reading a while back so I can now remove those from my wishlist
I'm very pleased as I really enjoyed the series, but didn't have the last few. "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 McGee2 -
What pattern leggings did you go for?
excellent news on the books 📚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/p14 -
I got some Lucy ones last year in the sale for wearing at home.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.4 -
I am doomed. They have hedgehog ones.........
It's my birthday next week...................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.5 -
You’ve just inspired what will be part of my daughter’s Santa haulMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.4
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I got colourful birds and folk flowers.WinterWarrior said:What pattern leggings did you go for?
excellent news on the books 📚
I'm really pleased about the books, I really wanted to finish the seriesbeanielou said:I got some Lucy ones last year in the sale for wearing at home.
I love the patterns and they are very comfy. I'm not going to order anything else for me right now, but will get little miss some of the Lucy ones for her birthday or Christmas.beanielou said:I am doomed. They have hedgehog ones.........
It's my birthday next week...................
Happy Birthday for next week. You'll have to get someone to treat youin_need_of_direction said:You’ve just inspired what will be part of my daughter’s Santa haul
Glad I've helped I get inspiration from things people post on here too, it's so useful. I particularly like hearing about good websites that aren't the usual giants. "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 -
Have you cruised rexlondon.com? They have excellent stocking filler type bits and pieces.I love your leggings!Hedgehogs @beanielou! A birthday essential!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/p16 -
Very cheerful looking leggings - definitely bring a smile to the face...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
They are!WinterWarrior said:Have you cruised rexlondon.com? They have excellent stocking filler type bits and pieces.I love you leggings!Hedgehogs @beanielou! A birthday essential!
Miss S the cat has ordered them for me
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.5 -
No, I haven't thank you, it looks goodWinterWarrior said:Have you cruised rexlondon.com? They have excellent stocking filler type bits and pieces.I love your leggings!Hedgehogs @beanielou! A birthday essential!
They are indeedsavingholmes said:Very cheerful looking leggings - definitely bring a smile to the face...
Yay! Clever Miss Sbeanielou said:
They are!WinterWarrior said:Have you cruised rexlondon.com? They have excellent stocking filler type bits and pieces.I love you leggings!Hedgehogs @beanielou! A birthday essential!
Miss S the cat has ordered them for me 
"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 McGee4
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