We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Progress not Perfection
Options
Comments
-
You are doing so well with your NSDs, and the imminent reduction in the mortgage is exciting! Paying off ours made all the difference though our circumstances were different.
Looking at a major theme of your thread - can you work it to get commission for recommending recipes?You have some superb ones (I'm about to send the Moroccan-style vegan Shepherd's pie to my DD, and I think that's one I read about here). I suppose you'd have to blog to do that, but I'm not the only one keeping an eye out for what you're eating.
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 21/3/223 -
Had a very productive half hour on the park: the dog got a good run, I got a screen break, some fresh air, sunshine and some steps in, litter picked a bag of rubbish plus picked a bag of blackberries. 30 minutes well spent 😁
A little girl asked me if I was the park cleaner 🤣 Well unofficially - yes!
@Cherryfudge most of the recipes I share are WW ones. I try to share recipes if I can find a link, I don't want to just say I made X and it was lovely without sharing wider. I've noticed a few people on the forums do the same.I get knocked down but I get up again (Chumbawamba, Tubthumping)6 -
Exciting news about the imminent mortgage payment reduction and next years extra from the windows.
That will make a big difference to the budget.
We still need to decide what we are doing with my recent COL rise. The next two months of extras are going into the savings account to use as extra spends while we are in France but after that we need a plan for them. I expect it will be two thirds as a further overpayment on the mortgage and the other third into the savings account.3 -
As if I need a new source of recipes 😆 I've discovered this website which is a vegan website with loads of recipes. If you sign up to the weekly emails she sends you a 4 week vegan meal plan with shopping lists and hints and tips on the recipes. Some really great ideas on there.I get knocked down but I get up again (Chumbawamba, Tubthumping)7
-
Good news for the grocery budget I’ve completed the 4 weeks required for the &More voucher so have £35 off my next Mr M shop 🥳
This means the grocery budget should, in theory, be showing at least £35 underspend at the end of the budget period.I get knocked down but I get up again (Chumbawamba, Tubthumping)5 -
Great news on the upcoming boosts to the finances - I like to plan ahead for that sort of thing as well to help to keep a grasp on where things should be heading in the future.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Everything going in the right direction on the money front there SA👍January spends - £587.582
-
All sounding good moneywise SA xx2
-
Sun_Addict said:Good news for the grocery budget I’ve completed the 4 weeks required for the &More voucher so have £35 off my next Mr M shopMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
Good news on the extra borrowing/doors/windows payments being gone from next year. Well done on the litter picking. My eldest granddaughter says she wants to go litter picking over the summer holidays.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
Save £12k in 2025 #1 £12000/£80003
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards