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Progress not Perfection
Comments
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Great news.
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.
One debt remaining. Home improvement loan. 9 months left.3 -
Morning all, happy Sunday.
Another productive day planned. I got all the gardening jobs ticked off the list yesterday. I tasked Mr SA with planting the winter pansies but it ended up making another job for me as he got soil all over the patio and I had to clear it up.
The carpet man came last night, measured up and I chose a carpet from his samples. He’s also quoting to replace the floorboards in the hallway. He’s going to let me know the damage when he’s totted it all up. Hopefully it won’t be too expensive but the hall floor will need boarding to level up the vinyl with the flooring in the living room and dining room so that’s an extra cost but fortunately the area is quite small.
It’s certainly been an expensive year for house and garden jobs! A couple of unexpected things such as the bathroom ceiling re-plastering and the carpet.
Today’s plan is to give the house a good clean, clean the windows and patch up the bathroom ceiling paint round the new lights. DD is getting ready for work so she’ll be out of the way.
I’ve booked an hours free electricity 12-1 and plan to charge up a few things, run the washing machine on a service wash, make lunch, a batch of soup and some cookies.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 -
These are the cookies I’m having a go at banana and oat cookies. I’m going to sub the chocolate chips for raisins.
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 💪3 -
I have the free electricity at the same time. I saw that they were ending it from the 1st November though, probably the time when a lot of people will need it the most.
September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x3 -
They always said it was ending on 1st November, we have booked 2 hours of free electricity today 11-1 as we find it easier to make the most off.
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 family3 -
Must have missed that, I only saw it this week. Very grateful to have had it. I know I have made the most of it.
September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x2 -
The cookies look good. One to add to my recipes I think.
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £25,444....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £350/3000
Studies/surveys November £38.72
Decluttering items 1400/2025. 460/2026
Books read 2025/23 2026- 25(target is 52)
Jigsaws done 20 in 2025. 5 in 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Also made use of the free hour this morning and have another booked later on & I am looking forward to a lovely long shower.
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.
One debt remaining. Home improvement loan. 9 months left.4 -
The cookies turned out well although not sure if they would be improved by a touch of maple syrup or similar as they weren’t that sweet. Will experiment next time as they’re really good.
Ticked all my jobs off the list - finally cleaned the windows 🥳Had a lovely soak in the bath and put the dog in after me as she needed it. She’s lovely and silky now. Some of you may remember she’s partial to M0lton Br0wn. Santa is bringing us a supply of that 😉
Made a veggie sausage casserole in the slow cooker for tonight’s dinner which was delicious 😋 Enough left for another night too 🙂
New NW regular saver is opened and ready to start off again for another year. Next on the list to mature is the 6 months saver from the Welsh provider. This one is destined to top up the premium bonds.
Today was a NSD 🥳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 -
Just had a massive catch up. Time has taken on new meaning since we’ve moved house……don’t quite know where it’s going to.
So pleased that Mr SA has a diagnosis and it’s treatable. Would it be worth hanging on until the meds kick in before replacing the carpet.
Don’t forget to apply for your bus pass a month before you actually qualify for it. You can use it as soon as you get it - even if it’s before your birthday.January spends - £587.585
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