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Small steps lead to big changes...
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What a fantastic result all round this month.
Be proud.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
That's a properly inspiring month you've just had - PADs, new habits and improved health markers - all round god job there, well done you!
I'm so impressed with your progress and the way everything is coming together!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Thank youbeanielou said:What a fantastic result all round this month.
Be proud.
I am really pleased.
Thank youEssexHebridean said:That's a properly inspiring month you've just had - PADs, new habits and improved health markers - all round god job there, well done you!
I'm so impressed with your progress and the way everything is coming together! It's really stuck this time and I don't feel like I've made too much of an effort. That's where the small changes work I suppose! "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3 -
To end the month on a high, as well as my 4.5hr meeting only being an hour, the meeting I was scheduled to have this afternoon was cancelled as well. I got most of my day back! Can you tell I dislike most meetings?
I don't mind when they are productive ones, but so many aren't.
I haven't updated my declutter list for January, so I must do that. It's looking good for the month!
DH has sold two items today so that's some more going
I cashed out on PA today so a pad for tomorrow."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3 -
Today's PAD - £8
Jan - £319
Feb - £8"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Happy February! At long last.
Most of the bills have come out today and it's going to be a tight month as I've pushed as much as I can into savings. I can withdraw some again if I need to, but I am aiming not to. I don't think I'll be repeating the lovely PAD total for Jan unless I can get a nice PB win or find something else to sell."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Happy February. Long may the meeting cancellations continue!
I have also pushed myself to a very tight month this month. Fingers crossed we get through it with savings in tact.Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
Well fingers crossed for the PB's coming up trumps then - you never know!
🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Several got added for next week unfortunatelyWinterWarrior said:Happy February. Long may the meeting cancellations continue!
I have also pushed myself to a very tight month this month. Fingers crossed we get through it with savings in tact.
None today though!
Good luck with lean February. 28 days to go
Thank youEssexHebridean said:Well fingers crossed for the PB's coming up trumps then - you never know! Here's hoping! "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
I'm done for the week now, hurrah!
I'm shattered today and grumpy. Swimming for little miss today, hopefully she'll have a one to one lesson again, it's been great!
Mystery meat today for dinner. I couldn't figure out what it was when I took it out of the freezer this morning. Turns out it was burgers They were a bit squished in a freezer bag. "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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