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Progress not Perfection
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badmemory said:Then they wonder why people no longer send things by post. Just to really annoy me I have just discovered a 1st & a 2nd class stamp unused. I have decided (very un-MSE like) that I really CBA replacing them.
It does involve the form being sent off, though. I don't think Post Offices can do over the counter swaps.
Know where your old stamps are? | Royal Mail Group Ltd
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 21/3/222 -
You just send the form to a freepost address & they are returned.
Cant be done by PO counter.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 -
beanielou said:You just send the form to a freepost address & they are returned.
Cant be done by PO counter.
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 21/3/222 -
Morning all, happy August. Can't believe how fast this year is flying by!
Quote for the month from my inspirational quotes calendar is a positive mind brings positive things. I need to think more positively, I always think something nasty is lurking around the corner.
I'll start this month in the UK and finish it in Zante 😎 The fact I'll be a year older by the end of this month, the least said the better 😆
Mr M grocery shop delivered and packed away. Nice to use the £35 off this week's order.
Today's exercise is dog walking later this morning, bums & tums at lunchtime and resistance bands tonight.
Tonight's dinner is leftover aubergine and chickpea curry from Saturday.
The final overpayment on the additional borrowing has gone out so next month it will be just what's left outstanding. I need to phone the building society to transfer the £100 overpayment to the mortgage from next month.
Outstanding balances:
Mortgage £9189.55
Additional borrowing £157.96 (final payment 1 September)
Windows/door £922.40 (final payment January 2024)
Total £10,269.91
I need to start sending money to the regular savers, one of which I can't do until after the 4th of the month.
Total cash out for July surveys £67.60 (this includes £4.98 from TCB).I get knocked down but I get up again (Chumbawamba, Tubthumping)5 -
The balances are getting really low - if you take out the main mortgage cost, you're within a whisker.
Very impressive and shows what can be done.
Re birthdays, actually you will only be 31 days older at the end of the month, it's only the paperwork that's changed.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 -
Thanks S_A, I'm writing that quote in my diary today. I need a reminder too - sometimes I let anxiety get the better of me. I'm happy that your new mini oven works well - I love my ninja. It took me a while to start using it but now that I do I wouldn't be without it.4
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Those balances are looking good. Won’t be long now.January spends - £587.584
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Happy August.All the best people have birthdays in August.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.3 -
You have a very positive outlook in my opinion.
Glad you are enjoying your Ninja. I have a similar cookpot and love it too.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Don't worry about being a year older. They say "Getting older is a privilege denied to many", and its just a number, it really means nothing. Its all about your mindset and outlook on life. My dad will be 91 this month and his brother has just turned 93. Dad thinks its great that they are both so old....lol.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
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Studies/surveys August £7.48
Decluttering items 771
Books read 14
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up5
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