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Resourcefulness: The budgeter's friend
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Well I am so glad you found the error - and that you came back to report it to all those of us who were wondering 😂😂 Well done!7
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oooo - a mystery solved! So glad to know it was an accounting error, though it was rather fun to think the tooth fairy may have happened by with a spare 504 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!6
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Phew, glad the anomaly was resolved, so easy to be so used to looking at something you no longer see it
I've just recognised I saw your earlier post and then without noticing flagrantly copied a version of 'once more into the breach' on my own diary so apologies to you (and Shakespeare 😁). It is a fabulously useful phrase, thank you for prompting me to use it more often!
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I can so relate to these errors. I spend a lot of my working life on spreadsheets and trying to work out why the thing doesn’t actually work! It’s always something silly you’ve missed.2025 decluttering: 3,958🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 338🥉🥈🥇💎🏆
Big kitchen declutter challenge 112/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5007 -
Loved reading all the comments and hearing you found the anomaly in the accounts. I’m trying to focus on planning for Christmas meals, and have lots of treats that will survive the holiday season and not be out of date.7
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I’m glad you’ve solved the mystery of the surplus money and it wasn’t something you’d forgotten to pay. Now the suspense is over we will all sleep well tonight 🤣I get knocked down but I get up again (Chumbawamba, Tubthumping)8
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This year when buying our Xmas gifts, food shops etc I have decided to put it all on the credit card. In the past I have got into a real tizzy using our current account then doing transfers from the Xmas savings pot to repay it. So for simplicity I will see it all on one statement and then do a transfer payment from the Xmas pot in one go. Hopefully all will be well.7
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Hi, Money Savers, What a rainy afternoon. Am glad I changed my mind about today being a gardening day. I have swapped with tomorrow, so Have done a bit of cleaning today instead & various other tasks. I've really enjoyed tarting up the jars of home made preserves for the hamper I am taking to family this weekend, so I thought I'd pop a photo up to show you. Anyway, today's budget-helping activities have been:
*Using entirely shopped from home materials to make my jars look pretty. All the toppers were either gifted to me or made from craft supplies - tied with jute string instead of buying ribbon as I wanted it to be compostable.
*Sorted out the pantry & found a couple of things I'd forgotten we had. Gifting the jars & a judicious move-around meant that I could finally get all the jars of bottled tomatoes up off the floor onto shelves.
*Baked a modest batch of Crank's country biscuits which used up a really annoying little quantity of porridge oats I couldn't fit into the jar. Recipe calls for oatmeal but I just zizz up some porridge oats rather than buying 2 ingredients.
*Did a bit more sock knitting over my lunch hour. Am onto the foot now, so just all K rounds until the toe-shaping. They will be ready by Christmas, but I must try & crack on with them as would like them finished.
*Wrapped 2 outstanding gifts which Postie delivered this morning.
*Updated my address book with a couple of people's new details so as not to waste Christmas postage,
*Did a few surveys.
*Mr F's impressive supply of Sains*'s vouchers have come to an end, so back to Waitbl00m on his way past tonight, with some of their offers. He received one for £3 off cat food, which is very good, but naturally Soot & Ash have recently decided they are less impressed with this brand than their preferred Persian Queen variety so I don't think we will be making use of it.
*Did a quick triage of fresh fruit & veg.....last just starting to wrinkle apple eaten for lunch, tomato added to my cheese sandwich & half a leek chopped as intend to caramelise that & add it to tonight's pesto pasta.
Did a few other things too, but these were the main money-saving ones.
Cheers for now,
F x
2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.5kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)15 -
wow, you have been busy. I really need to take a leaf out of your book. You are such an inspiration.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Studies/surveys August £7.48
Decluttering items 771
Books read 14
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up7 -
@angela110660 - That sounds like a plan. I put most of the presents expenditure on my credit card too, as it all helps boost points for vouchers (I get ridiculously excited about vouchers!) & gives me more leeway as to when I want to pay. I never use the card for credit - I pay it off in full every month, but not usually all at once. I generally choose to pay it off in chunks as I go along, as I find that transferring the money over from the Presents Pot to our current account each time & updating the Savings Pots spreadsheet means I keep a close eye on what the Presents Pot is looking like. I rarely make an error with this, though I think I may have bogged up the accounting with that odd extra £60. At least it was extra money & not missing money.
It did occur to me that another possibility is that the payment on some or other around £60 purchase made back in October failed to register & I got it for free. I didn't have any receipts to indicate this though, when I went through them all on Big Budget Day, so it is probably wishful thinking on my part. I honestly will stop droning on about that money now, lol!
F2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.5kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)9
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