Pay for the future and not the past

MissRikkiC

Loveactually said:

You will see that CC gone in no time. All the best

Yep, i know there are going to be extra i can pay off such as council tax free months and cheaper nursery months due to school holidays so ive set just less than 18 months as a target. I work well when i have to challenge myself, i do have to find the right balance though as i tend to let it consume my thoughts and struggle to concentrate on anything else

MissRikkiC

anjyeah said:

Congratulations on clearing CC1! I agree with you lurking around here is the best decision I made and definitely the reason why we progressed the way we did. 

Now off to the next set goals!

Ive set a target of next December for the next one. I know i have 6 weeks holidays this next month coming but im just not yet prepared to spend that on the CC when there are so many things i need to do at home. Just trying to find a balance! Enjoy your goal setting - sometimes thats the best part!

MissRikkiC

Happy Tuesday

Im about to use the dreaded C word here so im sorry but .... Christmas. A number of years ago there was an OS thread for Christmas related things, getting ahead, making things etc etc. Does anyone know if such a thing exists as i have just worked out in a 'back of a fag packet way' how much Christmas will set me back and im not OK with it, i'd like to keep cost down/make things myself. 

It was about 8 years ago that there was one, and maybe im a little too early but hoping something similar exists!

 

WinterWarrior

I don’t know, but I love Christmas 🎅🏻🎄 fa la la la la - la la la la.
if you find a thread I will join with (jingle) bells on 😁

Four_Seasons

And me please x

Loveactually

Count me in too. I love November and December months so festive and everyone is so happy 

joedenise

Is this thread any good?  Lots of ideas with links to various threads.

https://forums.moneysavingexpert.com/discussion/6228081/driving-home-for-christmas-its-the-2021-christmas-chatter-thread#latest

MissRikkiC

Doing the investigating as we speak all, thank you @joedenise

MissRikkiC

Hmm its not as Christmassy as i was thinking of but possibly due to the time of the year. It seems a nice thread with lots of activity though which is nice. Ill keep my eye out

MissRikkiC

Good Morning and Happy Hump Day!

Today started off well, eventually. After an early start on account of my daughter waking at 5:20am, after breakfast we went for  run (She is almost 1 so was in the buggy) and took the dog with us. We got home in plenty of time to have a little play bebfore going to Nursery so a great start and its really brightened my mood. 

A few money saving things:

I fixed the washing line - so no replacement needed
Ive repinned the cucumbers and tomatoes so that they continue growing well - I get so excited about growing my own that ive actually enquired about the village allotment in the hope i could support the owners but also grow more!
Washing is on the line with another load in the machine
Hubs penultimate wage was in from prev employer so thats made the account look tidy
Hub switched bank accounts and got the £ reward which came in yesterday and this has been shuffled away for now... 

Not very money saving:

Hub is due another week+ in holidays which wasnt accounted for so i have very itchy feet about continuing with the garden plans!
The remaining fence arrived this morning (there wasnt enough to finish last weekend) and so it'll be done this Saturday
We are off to the beach Friday and so whilst we will be taking a packed lunch it goes without saying that we will be having at least an icecream if not a beer in the afternoon!

Really need to start raiding YS items this next fortnight as its my daughters BBQ('s) soon and safe to say we dont have quite enough yet to feed everyone...

Anyway, off to catch up. Still thinking about Christmas somewhere in the back of my mind, amongst other things MS... I suppose having the right mindset is a start.