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Progress not Perfection
Comments
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This 🙌 When you spend so much time at home, it’s both a necessity and privilege to maintain it to a high standard. He’s very lucky to have you and the lovely home you work so hard to keep.
PBs £3050 (including £1k EF & £1k Christmas fund)
23/26 books for 2026Take the time to find the joy in each day
6 -
Thank you everyone ❤️
It was nice to be back to it being light when I set off to the office this morning and even nicer to see the park across my road lit up with this gorgeous sunrise instead of it being pitch black.
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 💪11 -
We had the stunning sunrise as well - although by the time we left the house it was raining, so "red sky in the morning" proved prophetic!
Sorry to hear that MrSA is pushing your buttons at the moment - as already said, the fact that he can't help it doesn't stop it being super-stressful to deal with!
🎉 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 at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00 at 31/12/25 = £ 91,100.00
Balance as at 31/08/26 = £ 84,500.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
That sunrise is glorious! Thanks for capturing the moment and passing it on! (Currently grey and wet here, so a reminder of how it can be is very timely).
I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/221 -
Afternoon all.
Left the office late morning to come home as the over bright lights were really dazzling my eyes. I’ve never been able to stand very bright artificial lights. There’s no way to dim them unfortunately. It’s not just me being weird others have said the same thing.
Got soaked walking home. Stopped off at Lidl! on the way.
My part time hours have been officially accepted by work 🥳 So 10 weeks today I’ll be only working 21 hours a week. Woo hoo.
Monday finance check done and cc balance cleared. Sorted out maturity option for the P 6 months saver. I’ve asked for it to be sent to the current account as it will be used to buy premium bonds.
Today’s exercise has been walking to/from work and I’ll do short strength training and yoga sessions tonight.
Tonight’s dinner is stir fry which will use up some odds and ends of veg.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 -
Congrats on the forthcoming reduced hours! (You've more than earned them).
I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/221 -
We'll all be counting down with you. 10 weeks will fly by
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 October £ 168.88
Decluttering items 1400/2025. 454/2026
Books read 2025/23 2026- 24 (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-up3 -
Woo hoo 🎉🥂
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.[/b] [11 months left.[/b]2 -
That's a stunning photo!
Great news about the reduced hours as well.
"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 McGee1 -
Love the sunrise x
September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x1
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