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We will get this debt down & the savings up
Comments
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Blackcats said:how lovely to receive that cheque and very sensible use of it too. we are all getting very grown up and sensible now aren't we??? back in the day I would have spent that as soon as the cheque had cleared in my account, or sooner if there was a way to do so.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £600/£3000
.
Studies/surveys September £18.30
Decluttering items 1200/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up4 -
hi I thought I would come and say hi. I have been following your diary and thought of you yesterday and your wrist! I was sat on the sofa and just flicked my hand out and something has pulled/ strained and its been jolly sore since. Its only when you have a pain/ restricted movement that you realise just how much you use your wrists!!!! I do hope your is imroving and the exercises helping!♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐4 -
~FlowerPot~ said:hi I thought I would come and say hi. I have been following your diary and thought of you yesterday and your wrist! I was sat on the sofa and just flicked my hand out and something has pulled/ strained and its been jolly sore since. Its only when you have a pain/ restricted movement that you realise just how much you use your wrists!!!! I do hope your is imroving and the exercises helping!
Hope your sore wrist doesn't last too long. Try massage, and make sure to massage from fingers towards wrist. That's what I was told by both the Dr & the physio. It does help. Also soaking it in warm water first.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £600/£3000
.
Studies/surveys September £18.30
Decluttering items 1200/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
"10 or 12 years ago we would have booked a holiday with it. Holidays were our biggest downfall. I remember 1 year, about 17 years ago where we went to New York, Austria & Florida, all in the same year...I am hanging my head in shame. "I once funded a 3 week trip to Australia entirely with my credit card including using it to withdraw cash. I sort of knew it was daft/irresponsible but carried on regardless.4
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We were all living on another planet then, weren't we @Blackcats? I used to say, " Don't worry, I'll get a better job to pay it off". Never happened thoughMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £600/£3000
.
Studies/surveys September £18.30
Decluttering items 1200/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Afternoon all
Another windy day here. Had an early start and went down to the butcher just after they opened at 8am, to collect the meat order, it was bedlam with people queuing to the door and 4 people serving and tripping over each other...lol. Then a quick pop into local C00p to get something I had forgotten and that's us done. Although we did say if we get out for a walk tomorrow, we may pop in the C00p again just before they close as I suspect there may be a lot of orange sticker items. Although at the moment, I can't get any more in the freezer, but maybe DD can.
Rest of the day has been quite laid back, icing some little cakes I made yesterday, braising the red cabbage in the slow cooker (first time I have tried this recipe and TBH, it smells a bit weird so far & just realised I forgot to add the butter....oops) I'll let you know what its like.
Got 3 more things for GKS to wrap as was waiting on a last minute order that arrived this morning, then we will walk down and drop the presents off for them tomorrow. They are coming for lunch on Boxing day.
Not many money saving things today that I can think of, other than the fact that I used Nancy Birtwhistle's recipe for making dark brown sugar instead of buying it. I hardly ever use it and only wanted 150g, so mixed granulated with dark treacle and was very surprised when it worked. Also as she says, brown sugar comes in plastic which I hate buying unless I have to. As i haven't been able to get to my refill shop for a few weeks when I couldn't drive. Hopefully I will start using that again in new year. The nearest shop is 11 miles away, but there is a lady stands on local market once a week about 4 miles away, who I use sometimes if I can get to her.
Can't work out what day it is today, its like having 2 Christmas Eve's in a row....lol
Time for tea I think, jacket potatoes today with whatever I can find to throw on them. We had bacon baps for breakfast today, can't remember the last time we had bacon, so TBH I feel like eating nothing today, in readiness for the next few days....lol.
Hoping there's some good Christmas TV later, or we may end up watching Elf or something,.
Have a good evening all.
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £600/£3000
.
Studies/surveys September £18.30
Decluttering items 1200/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
I've been getting mixed up with what day it is too. Not whether it was Christmas Eve etc but wheher we were at Thursday or Friday or Saturday, it's a relief to know today is Sunday AND Christmas Eve ....I think 🤷♀️3
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Just catching up on your diary, I use the glass Kilner jars for my flour and can understand why you would want to change to plastic, they're so heavy!
Fab news on the cheque, it must be lovely knowing you'll have just £20k to go when we head into the new year. We have an awful lot more than that so I'm quite jealous.
Can't help but notice your terms for non-sliced sandwiches (both a bap and a cob reference) which made me chuckle to myself and think 'it's a bread cake' haha. My family are a bit further south and say 'cob'
Hope you and your family have a lovely Christmas
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28275 -
Just been catching up but seem to be very busy today, so not got time to comment on everybody's diaries. Just wanted to say thankyou to all who have been following this very boring diary and cheering me on. I love this online community where we are all travelling in the same direction, but at different speeds and even when one of us does something really stupid, there are no nasty comments....unlike a lot of FB groups.
So hoping you all have a lovely day with family, friends, partners, etc and try not to let your money saving ways relax just because its Christmas. I will be collecting all the gift bags that we get, saving the cards for next years gift tags, making sure every scrap of left overs is eaten up or frozen and if we get any presents we don't like, they will be gifted on.
See you all on the other side. xMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £600/£3000
.
Studies/surveys September £18.30
Decluttering items 1200/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up6 -
Merry Christmas. I have been following you and enjoying reading along. Keep up the thrifty and frugal living hints and ideas. Thank you.6
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