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Learning to walk before I run
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Well done. Enjoy your break.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.6 -
Enjoy your downtime Ed!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!4
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Enjoy your time off Ed 😊MFW 67 - Finally mortgage free! 💙😁5
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£221 tax refund received - that was fast!9
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oooo - a winfall - a fabulous Friday find!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!5
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They are, because once validated, it is done automatically. Very reassuring that they have IT kit that works, we always think. I believe they are also only second to GCHQ in terms of Cyber Security, and that includes all the banks (with their DoS attacks).edinburgher said:£221 tax refund received - that was fast!
Have fun on your holsSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here6 -
Last time I had one it took two weeks though (not mentioning a few years ago when I had to log in a physically request it despite giving them all my details previously).Suffolk_lass said:
They are, because once validated, it is done automatically. Very reassuring that they have IT kit that works, we always think. I believe they are also only second to GCHQ in terms of Cyber Security, and that includes all the banks (with their DoS attacks).edinburgher said:£221 tax refund received - that was fast!
Have fun on your hols
I love the fact that I read this here and immediately logged into my bank account to see an amount pending from HMRC for my refund 😄2025 decluttering: 3,235🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 271🥉🥈🥇💎🏆
Mini kitchen challenge 44/50
Big kitchen declutter challenge 66/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 I 🥉12 🥈26 🥇52 💎100 🏆2509 -
Child Benefit appears to have increased. Although I am grateful, the increased bounty will buy DD1 a new pair of shoes if I save the difference for 2 years
Not quite sure the gummint understands inflation.Enjoying my hols so far (apart from a pointless row with Mrs E about chores), being offered some surveys but no real appetite to do them. I suppose that's perfectly healthy? Proving a little spendy, DD1 is still a child but is starting to wear adult clothes (5' tall) and eats almost as much as an adult. Hey ho, I'd only waste my money if I wasn't spending it on her.10 -
Ed i feel your pain...DS1 is 12, 5ft 9, wears a men's medium, and has just told me today his trainers (that I bought in October!) are feeling tight...so i have ordered him some in men's size 11 (!!!!!!!) and nearly fainted when entering my card details... don't even talk to me about the food... good job we love 'em eh!!
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I so read that as a row about cheese 🧀🤦♀️ I have food on the brain!edinburgher said:....apart from a pointless row with Mrs E about choresMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!7
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