We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Debt Reset....

Options
1242527293069

Comments

  • CRANKY40
    CRANKY40 Posts: 5,908 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    Thanks @Sun_Addict. We're trying to redistribute as much as possible and I think we've done an OK job of it. 
  • Blackcats
    Blackcats Posts: 3,862 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Nice to hear from you.
    well done on getting into the 1's on your debt.

    happy belated birthday to the HT.  celebrations sound good and MSE.

  • Well done on being in the ones ⭐️
    I inherited a shedload of soaps when my grandad died (over 20 yrs ago). They lasted a long, long time 😁
    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/p1

  • Oh Cranky sorry to hear about your friend and the house clearance necessity - 25 bars of soap made me laugh though I confess!! 

    Happy 18th to the HT - glad that all went well! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • it must have felt fantastic to pay for the reporting without increasing your debt 🎉
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • It is SUCH a good feeling to be able to pay for work like that from saved money isn't it - I'm right there with you! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Blackcats
    Blackcats Posts: 3,862 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I agree with @Baileys_Babe and @EssexHebridean - having a savings pot to use for spending is such a good feeling, although as a former spender (who never saved up for anything) I now find it hard to dip into my savings pots and use them even for their designated purpose.

    well done for processing the apples - I'm still working through my bumper crop.  Making overnight oats with apple and cinnamon later for Thursday and Friday's breakfast.


  • CRANKY40
    CRANKY40 Posts: 5,908 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    Good morning all, 

    I've done very little so far today. The HT has gone on a college field trip so we didn't have to be up early. His friend called for him so they went 40 minutes ago. I've ordered a game that the HT wanted to buy with his birthday money and some new ear buds for him that he has also paid for. He's now down to one ear bud from two sets although he did point out that it's taken him 3 years to lose the other three. 

    Time to go tomato wrangling and to portion up the leftover lasagne. One of the HT's friends is coming over later. I have no idea if they are having dinner with us but as usual there is plenty in the freezer and friend can cook so they can sort themselves out. I need to go out a bit later as I put the recycling bin out for late friend's house and I'll need to go and bring it back in. That won't take long but I leave it until later as I'm not sure what time the bin men come. 

    Take care everyone 😊
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.