We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Time to Face The Music
Comments
-
Absolutly this.milann said:That’s the tricky part once you’ve got the debts down……keeping them down and never forgetting that feeling when the grim figures couldn’t be faced 😳 Hopefully all the bad habits have been replaced by new ones 🥂😁I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters.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.1 -
Not a no spends day today. We have a stock up home delivery coming this evening after work.
Breakfast, lunch and dinner are from stores though. Breakfast was cereals, we have both taken our packed lunches to work and dinner later is steak with chips, onion rings, stuffed mushrooms and cherry tomatoes.
Tonight's jobs include:- load of washing (should hopefully be dry when we get home)
- cleaning the kitchen
- sorting and putting away the shopping
- walking the dog
1 -
Yum - steak and chips dinner always sounds good to me!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
I had gone in the freezer to get some pork loin steaks out but the steak literally fell into my hands
1 -
It will be a no spends day today. Number 2 for March.
Breakfast, lunch and dinner are from stores. Breakfast was toast, we have both taken our packed lunch to work and dinner tonight is salmon with rice and vegetables.
Today's jobs include:- cleaning the bathrooms
- vacuuming the house
- walking the dog
0 -
Read it as vacuuming the dog AGAIN!
Well done on starting the month well on NSD's!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Just had a call from the motorhome dealers. They have ordered the parts for the van but they are on back order so will take up to 6 weeks to arrive so we are going to pick the van up again this afternoon and take it home.
The daft thing is I can order them online and get them for next day delivery but their company policy states they have to get them direct from the manufacturers.
I might just end up taking the day off work when it has to go back. It should only be a half hours job to fit the new part. The other half can't keep taking the time off work because he wont get paid for it!0 -
It will be a no spends day today. Number 3 of March.
Breakfast, lunch and dinner will be from stores. Breakfast was Kedgeree, we have both taken our packed lunches to work and dinner tonight is chilli beef with stir fried vegetables and noodles.
No jobs tonight. We are going to chill out with a few beers and a film on a sofa.1 -
You're doing really well with the NSD's for March already!
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60001 -
We are trying to have a more sensible month this month.
Plus we have a few bills for the van coming up with the road tax and service and MOT due this month and the insurance up for renewal next month.
We are aiming to not have to put any of this onto the credit cards. So we are being careful with the spends this month, or that is the aim anyway
1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601.1K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards