We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
Building savings to bubblewrap my new life.
Comments
-
Big steps are being made, keep going 🙂Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming1
-
I bought crisps too!!!! Hope you are having a good weekend. It all sounds very healthy by you.Aiming for a minimal spend 20222
-
Thanks @MovingForwards, @longway2go and @savingwannabe
The last few days have been disorganised and spendy. Lots of hospital/family business so stopping at a shop on the way home and eating badly. Made soup today and have healthy food in the fridge now. I should be home tomorrow working so no excuses for wasting money, in fact I'm going to have a NSD tomorrow to try and get my spending under control.
Onwards and upwards!If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
These things happen DIA, it's hard to be organised and cut back on spending when rushing around, focus on your slower days and try not to worry about the others.Mortgage started 2020, aiming to clear 31/12/2029.2
-
Thanks @MovingForwards. Today I fared better. A NSD. I ate healthily and cooked healthily. If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Well done on the healthy eating dia. It does make a difference to our mood. I need to get back on the bandwagon too. My meal plans are ok it’s just sticking to them, being organised & cutting out the bad snacks that I struggle with 😆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/p13 -
I struggle with the same things! I'm enjoying veggie curry at the minute. I found a lovely paste without nasties and very tasty, that makes it so much easierSkint_yet_Again said:Well done on the healthy eating dia. It does make a difference to our mood. I need to get back on the bandwagon too. My meal plans are ok it’s just sticking to them, being organised & cutting out the bad snacks that I struggle with 😆 If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Money wise I am losing out by being disorganised:
So a veg box was delivered to my old address and I was charged £15
Then I missed a bill and was charged an extra £28.
Then another bill I underpaid by a small amount but ended up with a £10 charge.
£53 of dead money due to poor planning. Sigh.
Using my calendar to record dates now. This should not happen in future
Scratching my head to think of any saving I may have done?
I stopped the Farmer's Market as that was just too expensive.
A few more weeks until I get my bike back and the I can use L1dl and save on bus fares too
Wishing you all well.
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Can you ring the companies and see if they are willing to refund the charges on this one occasion? I have done that with my credit card and at the time I had family issues and they refunded the charge. Just explain due to lockdown & moving things have got a bit behind and is there any way they can overlook the charge on this occasion if you are a good customer who usually pays on time ? Hope your bike is sorted soon.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/p13 -
I wish I had posted sooner. I already paid the organisations as I couldn't bear to have it hanging over me. As the kids say, my bad. You are right I should have tried but too overwhelmed. Thank you.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720252
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards