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Little by little, and with love

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  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 23 December 2021 at 10:32PM
    That all sounds pretty organised - apart from the food, but hey, it IS Christmas after all! 

    We’re doing the PB thing too - it’s not like there’s a huge amount of interest on easy access anywhere at the moment and as you say, there’s always the chance of a win! 
    🎉 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
  • TheAble
    TheAble Posts: 1,676 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Definitely avoid the scratchcards! Tempting and fun as they may be they have a negative expected value - the more you play the more you lose.

    You're right about pets, again lovely as they may be. The cost is a lot higher than people appreciate, which may of course be worth it depending on your point of view but certainly something to go into with your eyes open. 
  • Merry Christmas Rosa
  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Merry Christmas Rosa. 🎅 
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


  • Thank you @redofromstart, thank you @kerri_gt - Merry Christmas to you too. 

    All is well here, a very quiet and beautifully peaceful day - hope all is good with you. 
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 26 December 2021 at 3:08PM
    TheAble said:
    Definitely avoid the scratchcards! Tempting and fun as they may be they have a negative expected value - the more you play the more you lose.

    You're right about pets, again lovely as they may be. The cost is a lot higher than people appreciate, which may of course be worth it depending on your point of view but certainly something to go into with your eyes open. 
    I occasionally see people buying scratchies and think 'what the heck, maybe the fun is worth it' - then I see they now cost a fiver!!! and go 'nope, I'd rather have chocolate and know I'm definitely getting enjoyment out of it' :D:smile:

    I think the pets thing is partly about adjusting - it takes time to figure out how to fit them into your lifestyle and even listening to recommendations, sometimes you need to try more than one option (this is why there is now £100 of car boot crate unused, and £40 of back seat hammock and seat belt restraint instead) and partly that I have been busy and gone for time saving over money saving options (dog shower and drying coat vs having to get dog in bath, wash dog, clean bath... ).  It is calming down now we are more settled and have everything we need). 
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Hello, just had a cuppa and read through your diary.

    my daughter is visually impaired and was told at the start of the week that she is eligible to apply for a buddy dog. It would be amazing for her independence and self confidence but I am not at all sure it is a financial commitment I can make at the moment :(

    Total Debt May 21 £20,490.44  DEBT FREE DATE 29/7/22 

    Mortgage balance May 21 £177,096.19. Now £143,588.36
    Mortgage free date. At start of sole mortgage = July 2042

    2024 SAVINGS FOCUS - get rid of the car finance. £12,706.25  PAID OFF 
    2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage. Total pot = £3275.88
  • TheAble said:
    Definitely avoid the scratchcards! Tempting and fun as they may be they have a negative expected value - the more you play the more you lose.

    You're right about pets, again lovely as they may be. The cost is a lot higher than people appreciate, which may of course be worth it depending on your point of view but certainly something to go into with your eyes open. 
    I occasionally see people buying scratchies and think 'what the heck, maybe the fun is worth it' - then I see they now cost a fiver!!! and go 'nope, I'd rather have chocolate and know I'm definitely getting enjoyment out of it' :D:smile:

    I think the pets thing is partly about adjusting - it takes time to figure out how to fit them into your lifestyle and even listening to recommendations, sometimes you need to try more than one option (this is why there is now £100 of car boot crate unused, and £40 of back seat hammock and seat belt restraint instead) and partly that I have been busy and gone for time saving over money saving options (dog shower and drying coat vs having to get dog in bath, wash dog, clean bath... ).  It is calming down now we are more settled and have everything we need). 
    I think between the rabbits, dogs and guinea pigs I have bought every new fangled gizmo over the years. It is very annoying, I now have enough stuff especially for the rabbits (various housing options, barriers and little cute houses I couldn't resist) I also have a few dog crates.... I keep threatening to sell them as I don't personally like them and wouldn't use them again. Also some of the small pet stuff could be sold. The guinea pigs have more bedding than me! I will say that is over a 12 year period! but still... 
    Nevertheless she persisted.
  • Hello, just had a cuppa and read through your diary.

    my daughter is visually impaired and was told at the start of the week that she is eligible to apply for a buddy dog. It would be amazing for her independence and self confidence but I am not at all sure it is a financial commitment I can make at the moment :(

    Hello Tiredbutdetermined, welcome. 
    A buddy dog sounds wonderful.  Might there be any support available to you for the expenses - eg one of the relevant charities helping with a grant or loan of equipment? 
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • I think between the rabbits, dogs and guinea pigs I have bought every new fangled gizmo over the years. It is very annoying, I now have enough stuff especially for the rabbits (various housing options, barriers and little cute houses I couldn't resist) I also have a few dog crates.... I keep threatening to sell them as I don't personally like them and wouldn't use them again. Also some of the small pet stuff could be sold. The guinea pigs have more bedding than me! I will say that is over a 12 year period! but still... 
    Exactly, I have cat beds, trays etc in the loft and plenty of toys they don't use because it's all been acquired little by little over a decade.
    I found the dog crates really helpful though, mine voluntarily sleeps in them and it doesn't just save chewing as a pup but also I don't have to worry what wires, food etc I might have left in the rest of the room when I go out.  Definitely one of the things that was worth the money! 
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
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