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Progress not Perfection
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That's a pain. Bah.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.1 -
I would have been annoyed by the shortfall in interest too. As you say lesson learned!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) 25/0720251 -
I’m going to wait until the other two regular savers mature before opening another one. If YBS and Princip@lity offer good deals again I’ll open new ones, pay in the maximum, then decide on a fixed amount for the Cov so I know exactly how much should be in it at the end of the 12 months rather than send random amounts and lose track of where I am. I think I’ll keep the easy saver the proceeds have gone into today and use it for the emergency fund.Sent off the feedback form for the TryIt box so that will put me in good stead for another one.I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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Morning all, happy Thursday.
WFH today so another lovely relaxing start to my working day with my book and a coffee. The weather is forecast to be dry so the laundry basket will be emptied. Currently one load out and another in the machine.
I'm really struggling to get up now the mornings are dark. When I'm in the office ideally I need to be up at 5am but just lately it's been nearer 6am so I'm not getting there until 8 when I like to be there as close to 7 as possible. I've had to go back to setting an alarm on office days.
Mr M delivery coming later. This week had a voucher for £1.50 off dairy so that's paid for the milk plus 30p in profit. Usual 15% discount. It's a fairly big shop this week as we were running out of a few things. I've also ordered a 2kg bag of red lentils for £3.99 as I get through a fair amount and realised it's cheaper to buy in bulk.
A new tab on my budget spreadsheet has been added for the next round of regular savers with rows numbered 1 to 12 so I don't lose track again. Should've done this last time but then I've never had that many on the go before.
Today's exercise is dog walking later this morning, a live lunchtime stretch and tone class, 10 minutes Pilates and live Zumba at 7pm.
Making spiced butternut squash stew with herb dumplings for dinner. Subbing the pumpkin in the recipe for squash and won't be using an egg as I absolutely loathe eggs with a passion 🤢 I haven't got parsley so will use dried rosemary as this works really well in the dumplings. I've made this stew many times and it's delicious.I get knocked down but I get up again (Chumbawamba, Tubthumping)3 -
Just catching up with diaries. Sounds like you have had a lot going on.2
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Have a good day. i know what you mean about the dark mornings? Have you tried one of those sunlight alarm clocks so that it simulates the sunrise and you wake more naturally? I find them better than a proper alarmMaking 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
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Makingabobor2 said:Have a good day. i know what you mean about the dark mornings? Have you tried one of those sunlight alarm clocks so that it simulates the sunrise and you wake more naturally? I find them better than a proper alarmI get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Yes, its hard when only one of you needs to get up.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
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Makingabobor2 said:Yes, its hard when only one of you needs to get up.
That sounds like a decent price for the lentils SA - I'll need to check on our levels of various things like that at some stage - I'll probably need to refill some of the storage tins this weekend so that should prompt me to check stocks too.
🎉 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/her3 -
Another promising-sounding recipe, thanks.
I'm another who's not good with dark mornings. All instincts say 'hibernate'!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
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