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Resourcefulness: The budgeter's friend
Comments
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Happy Brthday @foxgloves !!!
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 - Sep 2038 (reduced by 3 years)3 -
Happy birthday 🎂
So glad you are having a lovely time, may it continue and you go on to have a wonderful year ahead too 😊
KK
As at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 35 books of target 52 in 2026 as @ 24th May.
Produce tracker: £119 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.4 -
Happy birthday to you @foxgloves. I hope you have a wonderful little holiday away 😊
4 -
It is good to hear you are enjoying your holiday, wishing you a happy birthday today and a wonderful year to follow 🎂🎁🤗
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 family4 -
Save £12k in 2026 #2 I have banked £9004.48 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £1111.79 and most of my May purchasing made
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 in 2026 discussion thread
My keep within our budget diary is here6 -
@Suffolk_lass took me 3 reads to get the black box 😂
I help a neighbour doing bits, actually lots of decluttering and also bits of guidance re her finances since she lost her DH 3 years ago. She has never had to deal with money. She had slowly been going through the bills account and getting rid of some payments going out that she no longer needed. She was showing me something when I happened to notice some reoccurring payments to same company twice a month! The bank was challenged about this, she was informed it was a continuous subscription charge and advised to contact the company which she did.(she dies have her wits about her still) Any how 2 1/2 months down the line she is getting 3 years payments back to when her DH passed and some compensation totalling £1000. A great budgeting result!!
2 Scratters xx
Anything is better than nothing-check back and see
On the declutter journey since 2023 with Mrs SD. Tilly Tidy since 2023.11 -
@2Scratters lol, it started life as a blackbird(y)🤔🤦♀️🤣
Save £12k in 2026 #2 I have banked £9004.48 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £1111.79 and most of my May purchasing made
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 in 2026 discussion thread
My keep within our budget diary is here4 -
Happy birthday Mrs F - I trust that a lovely day is being had, cake has been consumed and you are being thoroughly spoiled!
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Happy birthday foxgloves, hope you're having a tremendous time 🥂
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty4 -
happy birthday. Hope you’ve had a wonderful day 🎂🎉xx
slowly working towards being MF one small over payment at a time :T4
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