Cutting it Fine - the challenge is on!

savingholmes

Well done on list clearing. I know what you mean about things taking longer than they should...

LadyWithAPlan

Yes DR is great on some levels but his stopping contributions whilst in debt is scary. 
Plus I think in the US there may be slightly different systems of tax relief and not as good pension relief as here??
Those US student loans of 100,000s plus are scary though. 

However I started monthly budgeting cos of him over a decade ago and it did change my finances.

savingholmes

DR speeded up my debt repayment - as I liked his gazelle analogy

SandyShores

Thanks savings and Ladywithaplan.  I wish I'd found DR much earlier, but better late than never.

savingholmes

Yeah - I think MSE is great - but my lightbulb was just flickering - until I hear DR go on about escaping debt with gazelle like intensity. It was an analogy that really worked for me and speeded up my journey tremendously.

SandyShores

Love the analogy savingholmes, I must bear that in mind when I am feeling a bit lazy about making savings - its easy to fall into bad habits.    I had another food delivery today, I'm really getting used to it and its so less stressful.  I've checked deliveries for the next couple of weeks though and there are no slots left.  I'll start again in the new year, and I'm thinking about having a Friday delivery so the food is all set up for the weekend and that way I will have more R&R time.  I think I need to set up a regular list and then just add any extras to it each week.  I usually have a big cooking session on a Sunday, but did one batch cook for tea today and will do a couple more tomorrow after work.  I tend to have porridge first thing and then have crackers/cheese/veg soup for lunch so if I prep some chicken, chilli or bolognese it makes for a much easier week.  

Fortune_Smiles

I've been having my shopping delivered for the last 16 years SS - less stressful, less time involved and less temptation to put things in my basket that are not on the list 🤭  Can't see me going back to the supermarket anytime soon 😆

Fortune x

savingholmes

I find I save £ by getting food delivered as less temptation.

debtfreeoneday

Another one for delivery here. That £6.99 per month means I stick to my budget, often under. I don’t have to drag the kids round the supermarket and pick up end of aisle stuff because they’ve seen it. I don’t have to drive the 15 miles round trip and I don’t actually have to spend the my time doing it. 

It takes me 20 mins to do the shop online, adding to it over the week and it’s done. 

SandyShores

Thanks Fortune, saving and debtfree   I've been picking up all the 'bargains' when I go shopping, so I thought it would be more expensive to get a delivery.  But we are struggling to get things in the fridge at the moment and I haven't spent as much as I normally would.  I've stocked up on all the staples and the things for a nice meal, rather than the offers of crisps and biscuits.  Mr Shores is happy to pop out and pick up the odd thing I've forgotten.  Sadly I don't think I'm going to be able to get a delivery in the next couple of weeks, but over Christmas week I'll have more time and then I'll start planning the Friday slots for next year.  I could probably do two delivery slots a week if I plan it right and get about £40 in each shop, maybe a Monday and Friday.