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Must try harder!
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Yes our pup has begun sleeping under the quilt in our bed since the temperatures dropped*Stop giving up what you really want for what you want now*
*Face your fear, don't do what's easy, do what is right, fight for it because it will be worth it*
January grocery budget £215.07/£250
#18 The 365 day 1p challenge 2023 £108.50/£667.95
#48 Saving £1 a day for Christmas 2023 challenge £31/£365
Emergency fund £83.98/£10002 -
Hope your wee friend is more like themself today
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Just de-lurking (is that a word 😆) to say if all else fails I bought thermal insoles 2 pairs for £1 in £ land for my wellies and they are fab. Just cut to size.@WinterWarrior hope your old girlie is feeling better today. Our 4yo lab goes down quick but luckily bounces back quickly at that age. Having had a few emergency vet visits (people leaving grapes and raisins on the grass for the swans / birds / squirrels) we have to be ultra careful now as she is such a dustbin. It’s such a worry when they are not themselves 🐶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/p12 -
Good morning and happy Thursday ☕️🍫📚
Thanks everyone. Dog is still not quite herself, but seems a bit better. We will be keeping an eye on her.@Skint_yet_Again de-lurking works for me 😁 The thermal insoles sound just the thing for beanie.
Today is my Friday as I have tomorrow off. I can’t afford it work wise, but need to take it as I’m owed a lot of hours. I will use it to wrap and box up presents ready for posting.
I expect today will be a long day trying to squeeze in the essentials that I would normally leave for tomorrow 😖
I am hopeful for another NSD.
I hope you all have a tremendous Thursday filled with wonderful things 🍫☕️📚Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p11 -
WinterWarrior - I really dislike present wrapping, when youngest dd lived at home she always did it all for me (obviously not her own though )
£1 a day 2025: £90.00/365 Xmas fund2 -
I’m not a huge wrapping fan either.We had a power cut in the village from 2pm to 7pm so I missed half a days work and had no way to explain my absence on various meetings, including 2 I was hosting 😖 I will now have to log in tomorrow to explain where I was and try to catch up ☹️Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
I’m sure people will understand, it can’t be helped.I don’t like wrapping up either, I try to do it in small stages so I don’t get angry with it. Don’t get me started on paper that rips and sellotape where the ends disappears 🤬I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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I just chuck it all in gift bags these days.
My wrapping looks like a two year old year old has done it.
I am famous for it
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
Good morning and happy Friday 🍫📚☕️Almost a day off today 😬 as I need to log on because of yesterday’s missed afternoon 😞
other than that it will be wrapping, Christmas movies and making a shepherds pie if the 2 days out of date mince looks ok. The plan was to use it yesterday, but power cut!I just need to survive until Tuesday now, when I can do the money shuffle and pay back the savings and then buckle down for December ☹️I hope you all have a fantastic Friday filled with wonderful things 📚🍫☕️🎁🍁Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
Have a lovely chrismassy packing day and a great weekend x1
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