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Building savings to bubblewrap my new life.
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Hope you're feeling better and as you are back I assume the IT issues are resolved.
De-cluttering and sorting is perfect for the cold, dark wintery season and it will be worth it when finished 🤗
Your budget looks ok, we're fast approaching mid-month.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Well done on everything. Keep up the good work.Aiming for a minimal spend 20221
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MovingForwards said:Hope you're feeling better and as you are back I assume the IT issues are resolved.
De-cluttering and sorting is perfect for the cold, dark wintery season and it will be worth it when finished 🤗
Your budget looks ok, we're fast approaching mid-month.savingwannabe said:Well done on everything. Keep up the good work.
Thanks @MovingForwards today I will be cluttering the garage! I may be some time...:)
Yes the budget is okay. I only have £62 left as I paid for my bike repairs...
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 -
Hope you've managed to find your way back out and cleared some things in the process 🤗Mortgage started 2020, aiming to clear 31/12/2029.2
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Thanks @MovingForwards I am not stuck in the garage. It took me a few days to work out how to get in as the door was jammed. It wasn't so bad in there stuff wise but tons of cobwebs Eeeek!
Spending down to £43 so I need to be really very careful.
I had a YS haul of organic chicken and a small FR lamb joint so I bought them for the freezer. I should be okay for protein for a bit so the £43 should be enough to get to the end of the month.
Used another account to buy some boots that I may or may not keep. They are very expensive but are 50% reduced so if they fit I will keep them.
I have become much more aware of my spending since posting here. When I get the banking app my awareness will increase.
Edited to say I have the bike back
Hope everyone is okay.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) 25/0720254 -
Cobwebs can appear so quickly, even if you get rid of them each day.
That's loads of budget left! Don't spend for spendings sake and look what's in the cupboard before shopping. Recording things helps a lot as it makes us accountable for what we do.
Hopefully you will have some good weather to go out for some nice rides 🤗Mortgage started 2020, aiming to clear 31/12/2029.2 -
The boots sound like a great bargain 🤗 I’m glad you have your bike back0% 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/p14 -
Thanks @MovingForwards and @Skint_yet_Again
I bought some hyacinth bulbs a few days ago and they are shooting up already. I'm glad daffodils are available for £1. Spring flowers give me joy for a pound or two
I'm having a NSD today
My CC statement arrived. Determined to pay it off in one go then start rebuilding my savings again.
I am starting to look ahead hopefully to being in my new home. I'm thinking a herb garden is a priority and how much fresh herbs will improve my daily soups especially as I am cutting out the flavourful foods like cheese and cured meats!
I have loads of dried beans/pulses I am trying to work my way through so that should supplement my food shop.
Lacking in energy today but will carry on decluttering. Glad the weather isn't good for going out.
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) 25/0720255 -
Put them in pots, then you can take them to your next home and permanent home.
Herbs are great, easy to get established, quite cheap to buy A1DI and L1D1 sell them, and transform a meal. Dried herbs are ok, but homegrown, dried are even better 🤗
You're doing a lot at home, so have a day or two off, then pick a small section to work on. Can't have you burning out trying to do this on your own.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Thanks MF. I already grow herbs here and want to widen this in the new home.
You were probably right about doing too much. My sleep pattern has shifted and not feeling great. I really need to get out daily to keep my mood on an even keel. Yesterday it was horrible weather but today I got out for a walk. Bought some masking tape to seal a few boxes. Also chocolate, nuts, loo roll, tulips and some veggies. My budget now stands at £26. I haven't had any alcohol this year. If I had been buying wine regularly I would not have been in budget for sure.
The boots arrived. They are lovely but only just fit. I'd prefer a bit of room in them, so they are going back. They would need to be perfect to justify the price. The money will be helpful for paying the CC off in full this month.
Off to make some mini beef burgers to have with soup and salad this evening...
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) 25/0720254
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