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Resourcefulness: The budgeter's friend
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Mmm, lovely stationery. I bought my mum a set of two William Morris design pens in a matching box for Christmas and had to wrench them out of my own hands 😁10
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On the other hand, my friend's obsession with stationery items now extends to 8000 (thousand, not hundred) colouring pencilsSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here8 -
Suffolk_lass said:On the other hand, my friend's obsession with stationery items now extends to 8000 (thousand, not hundred) colouring pencils
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
Suffolk_lass said:On the other hand, my friend's obsession with stationery items now extends to 8000 (thousand, not hundred) colouring pencilsMaking 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 £500/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £79.31
Decluttering items 755
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up6 -
Hello Saturday Savers,
Thanks for all your contributions. I'll answer properly tomorrow. Well, today's money-related mystery has had me doubting my own sanity! I realised last night that I had managed to lose the £50 gift card I received for Christmas. I looked in all the logical places but no sign of it, so I progressed to illogical ones, but still.no sign of it & by bedtime I was calling myself all the [insert multiple expletives] under the sun. Leisurely morning. Coffee, newspaper, crossword, book, crumpets. Pottered around doing a few jobs, fed poor cold birds (garden still iced solid white) & decided to resume the search. Having exhausted all sensible & vaguely sensible places, I moved onto the fairly hopeless ones, if I could connect them even very slightly with tasks I've been doing over the past week. Nope! Mr F convinced I'd binned it with the recycling (bin collected) but I always take our bins out to the wheelies & sort the rubbish by hand so I couldn't see how that could have happened.
Sat thinking I'd have to lie to family member who will ask me if I found something nice to buy with her gift, when I suddenly thought of a final stupid place I hadn't looked & there it was!! What a relief!! Our approaches to the loss of this gift card last night were quite different. Mr F insisted I should still choose something nice for myself using money from the Savings Pots. I said no way was I taking £50 from those during Project Surbiton Year when I'd been the numpty who'd lost it!
Back in the Spendy Years, I used to spend birthday & Christmas money at least twice, often 3 or 4 times, so my financial head really is in a very different place now, thank goodness.
Stay cosy, am under Mum's crochet blanket with my book. Mr F constructing a colossal cauliflower cheese.
F xx2025'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 -
Oh you meanie, where was it??!! You can't leave us in suspense like that 😂10
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Over the last few years I have become an even bigger believer in a place for everything & everything in its place. I have spent way too much time in the past searching round the house for car keys or garage keys or window keys, they now all go in the same place as do all those shop cards in their place & gift vouchers & gift cards. My username is not something new I've always been as bad so I have learnt that it is easier to have systems in place than to have a meltdown cos I can't find something or have forgotten a renewal. I mean who forgets that they are due to give evidence in court, that would be me & I made it with moments to spare & that was in my early 20s.
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Happy New Year Peeps,
I have finally caught up with everyone and it has taken me days.
Last year I had done some bits of odds and sods. The excess cleaning products and other left overs from their house clear out which took 4 of us siblings to complete I chose to have stuff to use up. Along with the excess of our own stored unrecorded under the sink. I had challenged myself to put away £1 per item. It would have cost more than that to purchase. From July to end of December I had saved £115it was used for pre Christmas purchases of needs not wants. We never even bought a box of mince pies. There is still plenty of excess to go at and will be following the same vein. Win win.
I even had read about collecting 24 of each paper denomination which was also a success except for the £50 notes. I will use some of the scratted savings to convert into said notes for this year of 25 each. I will however be exchanging them at the bank as not a lot of businesses like them when the time comes.
I will be aiming to purchase a vacuum pack sealer gadget for me to close down items better for the freezer or should I be really just doing it myself with a straw and the resealable bags.... I'll think this over. It's only £20 the one I have seen.
Here's to 2025 (Twenty twenty thrive)
2 Scratters xxAnything is better than nothing-check back and see
On the declutter journey since 2023 with Mrs SD. Tilly Tidy since 2023.9 -
I have a feeling Foxglove's RL name is Scheherazade...
...leaving us all hanging...
...to be continued tomorrow!4 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!10 -
Glad you found the gift card Foxgloves. I'm intrigued to know where you found it. Enjoy spending it on something good.7
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