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
-
Hopefully by next summer it'll be OK then - fingers crossed!🎉 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/her0 -
I'm not holding out much hope for that.EssexHebridean said:Hopefully by next summer it'll be OK then - fingers crossed!
They reckon they have another 2.5 years worth of building to do
0 -
A no spends day today other than £95 direct debit to the energy company.
Breakfast, lunch and dinner will be from stores. Breakfast was toasted fruit loaf, we have both taken our packed lunches to work and dinner tonight is jerk chicken, rice and vegetables.
Tonight's jobs are:- delivering fathers day present
- vacuuming the house
- cleaning the bathrooms
- walking the dog
2 -
BBQ sounds great….you’ll get a lot of use out it. The way you are racing through paying things off you’ll have it paid soon 👍January spends - £587.581
-
It won't quite be a no spends day but we will literally be spending a few quid today. So very low spends.
Breakfast and lunch are from stores. It was crumpets for breakfast and we have both taken our packed lunches to work. Dinner tonight is burgers from the local pub. It is their BOGOF on burgers deal on a Thursday and we have some Pub Tokens to use up. So two burgers and four pints will cost us £2.
No jobs to do today as we are at the pub tonight.3 -
The finances look much simpler now with just the one card. Enjoy your pub trip. I agree a lot of pubs don’t seem to be doing well but a lot down our way say they are full even though they have empty tables as they don’t have the staff to run them. They all disappeared during the pandemic and most seem to have issues replacing and training new staff.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2025 #1 £667.95/£451.50
Save £12k in 2025 #1 £12000/£124503 -
Bargain meal out, can't knock it. You will get loads of use out of the BBQ so makes sense to get a good one. Agree with ES the finances look much more streamlined with one card.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
-
Superb deal for dinner tonight! Enjoy
Life 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 #017Sealed pot 2025 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31072 -
To be fair to the pub it would only be £22 for the two burgers and four pints if we didn't have the vouchersLittleMissDetermined said:Superb deal for dinner tonight! Enjoy
And they are really good burgers as well. We go for the deluxe big double stack burgers as well at that. Needless to say the dog brings home a good doggy bag with him.1 -
Fantastic deal on the pub food. Can I ask where you get the pub tokens from ?0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p11
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards