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Third time's the charm...
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You are so very nearly there LMD! I had no patience myself but it does make sense to leave savings where they are, earning interest. My situation was an extra payment from work which I wasnt expecting so it was a no brainer for me.
Hope your hand is ok, that sounds bad when you have such violent nighmares that you can actually hurt yourself. Thankfully its never happened to me.
Shell xDebt Free - 04/03/23. Total LBM August 2021 £15410.70
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Thanks @Shell16 I never have violent dreams and in this particular one I was defending myself from a zombie. Which is odd as I don't even like zombie programmes or films so goodness knows where that's from. It felt very real though and that's probably why I lashed out so hard... Hubby said he was relieved I was facing the nightstand and not him as I would probably have broken his nose!
Anyway, today is my last NSD for March and I have set a target of 15 for April, given that I have birthdays and Easter outings to pay for. I've sent £6 to CC7 as today's PAD and there are no funds available from anywhere else. I have 27 days to go, and I realise this is also my countdown to pay day
Today the diet has also started, it's one which reduces fat rather than calories but I guess one contributes to the other. I'm weaning myself into my next obsession. low fat diet and more exercise... wish me luck! Fortunately there's no fat content in wine! Hahahahaha
Have a fab Friday everyone
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 #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21263 -
Happy Friday.1
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Nearly there with the debt repayments. I agree you may as well leave the savings intact and clear at the end of April as planned. You can then put your name on debt free roll of honour.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.
The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
Save £12k in 2025 #1 £12000/£70002 -
enthusiasticsaver said:Nearly there with the debt repayments. I agree you may as well leave the savings intact and clear at the end of April as planned. You can then put your name on debt free roll of honour.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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21260
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Managed a £6 prolific cash out so that's gone to the credit card, I also found a £1 coin at the bottom of my bag so I've added this to the sealed pot
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 #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
Good morning and happy Saturday
I managed a little lay-in this morning which was nice. Going to drag the doggo out shortly as I have signed up to the 60 mile in April sponsored dog walk for Stand Up to Cancer. I think we will both need our raincoats today!
Today will be a NSD, I have no shopping pans so this will be number 1 for April. I managed a WeAre8 cash out of £1 so I've sent £7 to the credit card this morning.
I have started to plan past my DFD now and my diet has started. In true obsession style I have created a lovely tracker for weight, food consumed, exercise and mood. I am hopeful that this will keep me focused. I will try not to weigh myself more than 2x a week but the addictive personality may have other ideasSo we will see what happens there.
I hope you're all OK and have great Saturday's
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 #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21262 -
Goood morning! I hope everyone is having a nice weekend?
Another NSD is on the cards for me today as we have no plans and all meals are from stores.
I’ve sent £6 to CC7 as my PAD and in non- financial news I’ve lost 4.5 pounds (in weight) since Wednesday. This is very encouraging and I hope that my tracker and obsessive nature can keep me on the straight and narrow!
I’m currently sat in the kitchen whilst hubby grills smoked bacon for his breakfast eating my banana 😂
Have a good day!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 #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
Have a good day.
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £410/£3000
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Fiver Friday '25 #10 £15
Studies/surveys July £58.64
Decluttering items 748
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Be careful with your weight loss. Is needs to be a healthy rate of loss not an all or nothing approach!!1
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