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Progress not Perfection
Comments
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It's very frustrating. He knows he has a limit and when he goes over that limit he knows he's putting himself at risk. I think it's his way of rebelling.
I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪4 -
All well and good to rebel if you're going to be the one dealing with the consequences though - it's a pretty rubbish thing to do when you know it will affect others!
🎉 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/her2 -
Afternoon all.
Back to work today and an office day. Ploughed my way through 315 items in my inbox although it took a couple of hours or so to weed out the things I needed to deal with straightaway.
The catch up with friends tomorrow has been postponed due to illness so that's worked out in my favour in a way.
Quick Monday finance check done and cc balance paid off. Sent 2 oddments of £7.77 and £5.77 to the Christmas pot.
Had a message from the magazine subscription I cancelled the other day offering me to renew 12 issues for £23.99 plus a £10 M&S voucher. It looks like there's a free book with it too. I think I'll take advantage of that. Just need to work out which issue I need to start it with as it doesn't officially finish until later in the year. Still haven't received the £54.99 refund for the other magazine but have had a message that it's on its way.
Stopped off at Lid! on the way home for a small shop.
Today's exercise has been walking to/from work and I'm doing a live strength training class tonight.
Tonight's dinner is leftover bean balls in sauce with pasta. Had a portion of the soup I made yesterday for lunch and can confirm it's absolutely delicious, I'd go as far to say it's the best tasting soup I've ever made. That recipe is definitely a keeper.
I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪5 -
Would de-caff coffee be better for the tummy, do you think - as long as he was ok with the substitution, of course…..
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Coffee is a big trigger for tummy upsets, I have IBS and DH has Colitis, which is an IBD, we both have to drink decaff r we'd be in real trouble. The other thing is alcohol for me though….oh and wheat, corn and citrus. Also too much sugar….LOL
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,544....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £380/3000
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Studies/surveys June £26.19
Decluttering items 1400/2025. 343/2026
Books read 23 in 2025. 2026- 13 (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-up3 -
Yes I've been thinking about swapping, I don't think he'd notice to be honest.
I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪2 -
Eek the bloke is coming to take down the old shed tomorrow morning! He said if the new shed arrives early enough he can put it up tomorrow. I had to say yes as he's free tomorrow then doing other jobs. He's charging £350 which I think is pretty reasonable. Will have to get a move on and start clearing it. It shouldn't take long really, we can do the sorting when the new shed is up. Glad I already made a start on it though. I'll get all the bits out tonight then move the electrical stuff first thing. That means I'm going to have to WFH tomorrow now rather than just the morning. It's a good job the catch up was postponed.
I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪9 -
Hope all goes smoothly.
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
Morning all
I was dreaming about emptying the blooming shed all night! I ran out of time last night. So there was me at 6.30 this morning clearing it out plus moving everything around it so the shed man has room to work. There was so much rubbish in the shed no way is all that lot going back in. Mr SA has several drills that don't work which he won't get rid of 'in case they come in'. He's got a new drill and very rarely uses that! Despite him saying he'd get up early to help, he was getting up just as I'd finished.
Also had to mop the living room floor as Mr SA knocked over a can of beer last night and I was just too tired to sort it out properly.
Waiting for the shed to be delivered and the shed man to arrive. Now I'm WFH all day it doesn't matter what time. It would be brilliant if the shed could be put up today though.
As today is so up in the air the only planned exercise for today is resistance bands tonight. However I've already done 5,000 steps just walking up and down the garden this morning so I won't be slacking in that department.
Tonight's dinner is a mish-mash of Mexican rice with smoked tofu and veg in taco shells - yes those taco shells are still knocking around, I will finish them one day😆
Also got a Mr M delivery arriving this afternoon.
I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪6 -
Ah, you've just reminded me I too have an opened pack of taco shells somewhere. I might just break them up and consider them wonky nachos or they'll never get used 😄
Debts 04/01/25 01/06/26
Natwest X2 £14,122.71 -
Barclaycard - £9,800
Lloyds CC £6,112.60 £3,795
1st Direct CC £176.03 £0
CC total £20,411.34 £13,595
OD £1100 £0
Car loan £4,000 £3,200
1st Direct Loan £10,684.44 £6,110
Total £36,195.78 £22,905
EF £2,100
HF £168.492
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