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We will get this debt down & the savings up

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Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,841 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    edited Today at 4:06PM

    Yes, our local town, about 3 miles away, is the same. The market has gone really down hill, and like the city, so many nail bars and cafes etc. I love a town with independent shops, but we just don't have many good ones. In our village, we have 5 cafes, and about the same number of nail bars, 2 Turkish barbers, 2 normal barbers and around 4 or 5 hair dressers. How many does one village really need? Yet the local green grocer closed down, as did the news agents, and bakery. Luckily we do have a good butchers, who now sells some veg, depending on what he can get hold of and we do have a new deli at the top of the village, with some great bread and veg, although very expensive. I'd rather see a good charity shop open when shops close, rather than a nail bar or cafe that I will never use.

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £25,854....its going down

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

    Challenges

    EF  £130/3000


    Studies/surveys September £14.86

    Decluttering items 1400/
    2025.  405/2026
    Books read    23 in 2025.  2026- 17 (target is 52)  
    Jigsaws done  20 in 2025.  5 in 2026

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


  • foxgloves
    foxgloves Posts: 13,660 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper

    Charity shops are closing down too in our local town - I can think of 4 which have gone. There are still several left but all the usual FB moaners are chuntering about the goods being too expensive because they think they are 'the charity' rather than the organisation running the shop. There are always overpriced items but they do usually seem to reduce the price if they don't sell. I think a big part of the problem is cheap throwaway 'fast fashion' garments which are often too poor in quality to stand up to a 2nd hand life. And of course lots of people sell their best 'old' stuff online - I've done it myself.

    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • Makingabobor2
    Makingabobor2 Posts: 4,841 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper

    @foxgloves , yes I agree. I hate fast fashion. But would pay for decent 2nd hand stuff. We only have 1 Cs in the village, but in the town 3 miles away, there are several. But the quality of stuff is not great. However if I were to go to a town around 19 miles away, there are some lovely CSs there as well as some great independent shops. I think we just live in the wrong area….LOL. When we went away to Yorkshire earlier in the year, we found some great stuff in CSs there.

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £25,854....its going down

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

    Challenges

    EF  £130/3000


    Studies/surveys September £14.86

    Decluttering items 1400/
    2025.  405/2026
    Books read    23 in 2025.  2026- 17 (target is 52)  
    Jigsaws done  20 in 2025.  5 in 2026

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


  • Blackcats
    Blackcats Posts: 4,735 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper

    Sounds like you found a great coat at exactly the right price.

    Our village high street which is imaginatively called The Street doesn't have any empty shops at the moment. When an emm n ss food hall opened a few years ago we worried that it would kill off our little indie shops but actually its revitalised the high street. We still have a greengrocers, bakers, butchers and a glorious deli. I was v impressed a couple of weeks ago when I bumped into our local MP who was visiting the indie shops and asking how she could help support their business. The MP is not from my usual political party but this is the 3rd time I've seen them at small local village events so they can have my vote next time around.

  • Makingabobor2
    Makingabobor2 Posts: 4,841 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper

    Wow....I should move to your town. Obviously you are in a totally different part of the country to us

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £25,854....its going down

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

    Challenges

    EF  £130/3000


    Studies/surveys September £14.86

    Decluttering items 1400/
    2025.  405/2026
    Books read    23 in 2025.  2026- 17 (target is 52)  
    Jigsaws done  20 in 2025.  5 in 2026

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


  • Blackcats
    Blackcats Posts: 4,735 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
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