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Resourcefulness: The budgeter's friend

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Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,715 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Think the BH throws everything out. But on the bright side our BH Monday was a NSD. 
    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  £630/3000
    .

    Studies/surveys April.....£177.86

    Decluttering items 1400/
    2025.  198/2026
    Books read    23 in 2025.  2026- 11 (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


  • rtandon27
    rtandon27 Posts: 6,663 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Happy budgeting!  I'm joining you in solidarity, doing my daily budget fiddling on an amazingly empty train on the way to the office.  I'm guessing that half term has something to do with the luxury of a double seat to myself!
    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)
    Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)
  • Baileys_Babe
    Baileys_Babe Posts: 6,721 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Tuesdays are my usual budget day, despite reading about you bumping yours today as yesterday was BH Monday, I was still thinking mine would be tomorrow.
    Some how I had squashed an extra day BH Monday and Tuesday 🤣

    I wish you well with all your calculations today and I hope it all runs smoothly.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • KajiKita
    KajiKita Posts: 10,011 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Loving the boogieing to pass the time and get the steps in whilst waiting for a delivery, that’s made me smile. 

    Well done for balancing the books and extending foods so well 😊👏

    KK 
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 28 books of target 52 in 2026 as @ 23rd April. 
    Produce tracker: £78 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • foxgloves
    foxgloves Posts: 13,290 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    @KajiKita - Thanks! It may have been a slightly unorthodox method of step-boosting, but it did the trick as I had easily surpassed my target by bedtime.
    F
    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!
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,490 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Hope niggly headache has been fresh-aired and garden-marched off.

    What a pain about the drenched delivery. At least they're not being ars*y about replacing the items.
    There's always something isn't there!

    Can the filter papers be used in the wormery or are they too thick/treated/getting the worms accustomed to a lifestyle in which they demand to be kept?
  • KajiKita
    KajiKita Posts: 10,011 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Positive, assertive behaviour on the drowned parcel 👏

    Talk to me about drying herbs please. I tried drying sage before but when I came to use it it had no flavour and I notice the shop bought dried sage is softer, so probably moister? How do you dry it and when do you know it is ready to store? Similar for thyme please 😊

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 28 books of target 52 in 2026 as @ 23rd April. 
    Produce tracker: £78 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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