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Progress not Perfection
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jokono said:Hey SA, if you buy your PB today they will be entered into the March draw, if you leave it for tmorrow they will only be in the draw from April.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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That's a good point on the PBs!🎉 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/her0 -
Is it worth getting Mr SA's ankle checked out? A friend of mine had a fall a few weeks ago and when his ankle swelled up, they thought it looked like possible DVT and he had to have a scan. Turned out to just be a deep Haematoma, but worth getting it checked. He was told to rest it above his heart and put ice on it.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 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Mr M have sent me a voucher for £15 off a £70 spend. The downside is the delivery must be before 4 February. I have a delivery pass for mid week and there isn't one available tomorrow. So decided paying £1 for a Saturday evening slot justifies the saving. It's coming between 8pm and 9pm, hopefully I'll be able to stay awake 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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I always used to take the 10pm - 11 pm slot from Ocado as it was free - they always phoned about 8.30 to ask if they can deliver earlySealed pot challenge 822
Jan - £176.66 :j3 -
Happy paydayI 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'm with you on the coffee and bread, that seeded sourdough is lovely and relatively low trigger for me.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
That's a good offer on Mr M. Must admit I hate evening deliveries.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 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Happy pay day. I like the malted bloomer from Lidl, but I will definitely look out for the seeded sour dough next time 😋
I’m thinking of poor MrSA like the guy that got hobbled in Misery (so he couldn’t steal keys escape) 😬Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p11 -
Happy Thursday and happy February.
WFH today and it's my final working day of the week as it's my secret day off tomorrow.
Banking done, garden waste scheme renewal paid. £5.22 interest from current account has gone to the Christmas pot. £150 to the YBS Christmas Saver (although sent it to the YBS emergency fund by mistake so will have to fish it out when it's showing in the app). £200 to the NW regular saver and £250 to the Principality regular saver. Another £100 overpayment gone to the mortgage.
All the big direct debits have gone out so what with those and the savings it's looking a lot less healthy than yesterday 😆
Exercise plans: dog walking before my 10am meeting, a lunchtime HIIT session and body conditioning after work. The body conditioning is a new class live on the WW app so this ticks the box of trying different classes.
Tonight's dinner is spiced butternut squash stew with herby dumplings (need to use up some natural yoghurt).
I want to make a plan for the month but every time I do anything like this it gets scuppered by Mr SA and his falls/illnesses. I can try though. This is why I tend to live from day to day rather than have a grand plan for the month. I'm a really organised person both at home and work so I hate anything that throws me off course.
Here's to a fabulous February 😊I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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