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Progress not Perfection

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  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Was just going to say that any payments into your old account automatically sweep over to your new account but EH beat me to it. 

    When my FD saver matures in December I am going to buy a new laptop. 
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you both for clarifying that. I’ve never dabbled with switching before so all new territory for me. 

    Ended up doing over an hour extra at work - the downside of WFH. It adds on to my flexi so will get the time back. However it meant I didn’t have time to do everything I’d hoped in respect of cleaning and decluttering. Oh well can’t be helped. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It was the first bank switch we'd ever done when we switched to Sant a couple of years ago. I was so impressed with how seamless it was though - the only issue I had was that the account names attached to my previously internal transfers (which then because external ones of course) didn't transfer so I had to cancel and set those up again - but that was a "specific to us" issue and not one most folk would encounter I suspect. 

    🎉 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 1/4/25
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  • SuzeQStan
    SuzeQStan Posts: 1,687 Forumite
    1,000 Posts Fourth Anniversary Homepage Hero Photogenic
    That’s so true SA - the time to buy is when you see it (and can afford it of course!) 

    how many times have we said that we should
    have bought one in every colour! 

    Check our Mr SA getting all domesticated! Is he angling for a new pester present?? 😉🤣
    Lancashire
    PV 5.04kWp SW facing
    Solar Battery 6.5 kWh 
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    Mortgage freedom January 2024 - paid off 7 years early by making overpayments where we could.

  • ladyholly
    ladyholly Posts: 3,931 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well done to Mr SA on the domestic front. I bet it was a surprise.

    Good going on the Christmas gifts, it is always best to buy when you see with seasonal goods as they tend to disappear fairly quickly. It has happened to me on more than one occasion.
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Funny enough I had my first token pressie delivered yesterday. 
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Morning all, happy Friday eve.

    WFH today. The Mr M delivery has been and is all packed away. 

    The dog has got into a bad habit of staying up gaming with DD until 2am then waking me up to get in bed! Both cats were out all night and the dirty stop outs were waiting at the door this morning desperate for food 😆

    Around this time of year I tend to pick up the odd Christmas gift when I see something rather than purposefully go out to look for something specific I probably won't find. I will be releasing the Christmas pot into the wild at the end of the month to start looking in earnest during November. I don't have many presents to buy just the GKs, DS, DIL, DD, Mr SA and the fur babies. Oh and my own of course (can't trust Mr SA to pick something!). It's also DS's birthday a few days before Christmas and DD's a couple of weeks after (timed that well didn't I!)

    Today's exercise is dog walking later this morning, a lunchtime stretch & tone session and Zumba tonight. 

    Trying a new recipe tonight from the October BBC Good Food magazine - double bean and roasted pepper chilli. When the magazine hit the doormat a couple of weeks ago I made a list of the recipes I wanted to try and I'm making my way down the list this month. 

    Hoping to at least get some of that make up decluttering done today. 

    I can hear Mr SA getting up so the peace will be shattered shortly. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Cherryfudge
    Cherryfudge Posts: 13,212 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    Around this time of year I tend to pick up the odd Christmas gift when I see something rather than purposefully go out to look for something specific I probably won't find. I will be releasing the Christmas pot into the wild at the end of the month to start looking in earnest during November. I don't have many presents to buy just the GKs, DS, DIL, DD, Mr SA and the fur babies. Oh and my own of course (can't trust Mr SA to pick something!). It's also DS's birthday a few days before Christmas and DD's a couple of weeks after (timed that well didn't I!)

    My Dad was December, so are my sister and her husband, DiL is January, DGD is December and new-baby-on-the-way will probably be November. DH and SiL are October so you aren't the only one to have this situation - and all the good birthday cards are gone from the shops!
    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 21/3/22
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    We also have a good dose of family birthdays in December. A nephew on Christmas eve, A brother and step father on Boxing Day and a Niece on New Years Eve. Makes December an expensive month.

    We do hampers for the main family presents each Christmas. We pick bits up while we are out on our travels through the year. Got the last bits delivered yesterday. Just need to get those wrapped and they are finished. That just leaves us a few presents to pick up for nieces and nephews and something for ourselves and the dog. Although the other half is already ahead of the game with that one!

    Hoping to have everything bought and wrapped early again this year. It was much less stressful last year when we were super organised :) 
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