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We will get this debt down & the savings up

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Comments

  • Blackcats
    Blackcats Posts: 4,429 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper

    how annoying about the garden centre membership. We cancelled ours and it was due for renewal this month so I'll keep an eye on that.

  • Makingabobor2
    Makingabobor2 Posts: 4,701 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    So a good start to the new month, and the new 4 week budget period. Went to L*d! this morning and used my £5 off £40 spend, as well as 50% off the crisps DH likes ( max 3 packets per customer), also had 15% off bread rolls, then found a 15% off bag salad. Got some 4p carrots, parsnip and swede. Spent enough to trigger the free bakery item and also a free veg item. So nipped back in, as not sure if I will go again within the 7 days, and I got a Belgian bun for DH and a red cabbage. No point getting the potatoes this time as we still have a sack and a half in the garage. So all in all a good shop. Then nipped in Mr S, ( which I can do while still parked in L*d!), as I like Oatibix, and can't get them in L*d!, they had them with 80p off if you used N*ctar card. So bought 2 boxes, and then won't need any for ages. I don't have them every day, and only have 1 1/2 instead of 2, so they last a long time. Can't eat Weetabix as it upsets my IBS

    Not much more to report on the MSE front really. Did a comparison check for the house ins renewal, and we will be staying with Adm*r*!. Been with them for years now, and even when others have come up cheaper, they are always happy to discount. This year it has gone up a bit, but only about £20 a year, so happy with that. We pay yearly now, as we have a "annual bills" pot, and it works out so much better than paying monthly.

    So off to get dinner now, Jacket potato and salad, with some tuna I think. Then need to get the meal plan sorted for the next 10 days or so.

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £1570/£3000
    .

    Studies/surveys April.....£43.44

    Decluttering items 1402/
    2025.  183/2026
    Books read    23 in 2025.  2026- 10 (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Blackcats
    Blackcats Posts: 4,429 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper

    wow to your March survey earnings - that's brilliant. Well done!

  • Makingabobor2
    Makingabobor2 Posts: 4,701 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £1570/£3000
    .

    Studies/surveys April.....£43.44

    Decluttering items 1402/
    2025.  183/2026
    Books read    23 in 2025.  2026- 10 (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Makingabobor2
    Makingabobor2 Posts: 4,701 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Well. what a busy week it has been. I don't like bank holiday weeks, as it throws me completely.

    The 2 sunny days were lovely, and I managed to get a lot done in the garden, now have beetroot showing which is a surprise, as I've never sown them before, they are currently in large troughs in the greenhouse. On the front bedroom window sill I have tomatoes and peppers, which I also surprised and delighted me, as never grown them from seed either. I have also bought some tomato plants though, just in case, and a couple of courgette plants, all sat in the sun upstairs. Think last year I put them out too early, so not sure exactly when they should go out, my online googling seems to suggest anything from mid April to mid?? I have sown radish, but nothing showing there at all, so think they were cheap and nasty seeds, as the chocolate peppers of the same make aren't showing anything either. Potatoes and carrots are in, but can't see any signs of anything yet….am I just being too impatient?? I also harvested my first 2 sticks of rhubarb and made a lovely crumble with some strawberries added to it, that were sat in the fridge waiting to get used up. Very tasty it was too. Thinking of making a large amount of crumble topping and freezing it in small portions so its easier when I fancy making one.

    My magazine arrived with the 2 for 1 garden entrance discount and free flower seeds. So will sit down and read that later. We are going for a long weekend just after my birthday in June and want to visit a RHS garden near there

    Housekeeping pot is very much on target this period, and plenty of stuff in freezer/fridge and cupboards so should only need a few bits next week, some fruit and few bits of veg, maybe a loaf…..I keep saying I am going to start bread making, but just seem so busy. I did have to buy washing powder, fabric softener and loo rolls this week and must say I am shocked at how much they seem to have gone up. I like to buy a bigger packet/bottle etc as it works out cheaper in the long run, but it is mega expensive now.

    Debt amount is on the decline still, which is always good news.

    Took a bag of stuff to a different charity shop this week, as our local one is currently closed and having a new floor installed. Thought I'd have a browse while I was there and found a door curtain…just the one I have been after to match our lounge curtains (our porch door comes straight into the lounge). I had been wanting the matching one for ages, but it was very dear in D*nh*lm, this one is in perfect condition and only £6. So now I can donate the old horrible brown one to charity and hang up the lovely mustard/gold/ochre….whatever colour its really called….LOL

    Today was just a massive cleaning day, after an early morning trip to the gym and picked up a couple of bags of compost on the way back. I have stripped the bed, cleaned upstairs and down, including a good deep clean of the bathroom. All cleaning cloths have had a good energy saving wash and now hanging on the line. Just need to get the compost out the boot of the car, and get some dinner. Then hopefully a relaxing weekend, with some time in garden.

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £1570/£3000
    .

    Studies/surveys April.....£43.44

    Decluttering items 1402/
    2025.  183/2026
    Books read    23 in 2025.  2026- 10 (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Dakota_Rose
    Dakota_Rose Posts: 317 Forumite
    100 Posts Name Dropper Photogenic

    Great job on the charity shop find! I love it when the perfect find happens 😊

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