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Progress not Perfection
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I worked in a care home and every February our boss had to waste money on stuff we didn't need to use the budget or for the next year it would be cut and we wouldn't be able to get things we did need. I am not thinking that a huge build up should happen but money should be allowed to be ring fenced for say 12months. I worked with people who often damaged things either accidentally or deliberately and it would have been much easier if we had some leeway.2
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Happy Saturday 🥂
Our local council are obviously spending their remaining budget too as both of the local volunteer groups I’m involved with have just received decent donations from them.
Did my ClubFit class this morning then went to the biggish Mr T. Mr SA and the dog came with me so the dog got a walk out of it. Mr T was really busy - why oh why do elderly people do their shopping on a Saturday when they’ve had all week to do it 😖
Used my MnS voucher online and have bought a jacket. Got 15% off and also used a £2 voucher so only had to put £4 towards it. Picking it up on Monday. Hopefully it looks as nice on as it looks on the website. I’m quite fussy about coats so we shall see.DS and the GKs haven’t been as the car is in for repair so just having a pottering about afternoon, getting a few bits of housework done.Tonight’s dinner is veggie burger, wedges and salad. Also going to make a fish pie for tomorrow as the fish pie mix goes out of date today. Bought a bag of reduced price chopped Swede from Mr T so going to cook that for the mash topping. Will save me a job tomorrow anyway.Rose cava is in the fridge for tonight.I get knocked down but I get up again (Chumbawamba, Tubthumping)5 -
Pass the cava. 🍾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.0 -
The elderly folk may well not be retired these days SA - or could be taking on a childcare role during the week. I do sympathise thought - it’s one thing I love about shopping on a Friday as a rule, it’s usually fairly quiet!🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
I confess I went to the sm this morning! In my defence it was only for some milk and I was in and out pretty quickly. I actually had to pick up my prescription and get something for Mr LH that he needed for today.1
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My mum struggled to walk as far as the supermarket so used to wait for us to take her on a Saturday.:j Proud Member of Mike's Mob :j0
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I’m talking about very elderly people 80 plus with walking frames on their own or as a couple and getting a fair bit of shopping not just the odd thing. Great for them they’re getting out but why not go when it’s quiet. I have an elderly neighbour whose grandson takes her there on Saturdays and I understand that reasoning.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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a lot of elderly people I know, their week is taken up with hospital appointments, social clubs, day centres etc.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1200/£3000
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Studies/surveys January £86.85
Decluttering items 1402/2025. 73/2026
Books read 23 in 2025. 2026- 3 (target is 52)
Jigsaws done 20 in 2025. 1/2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up0 -
It is frustrating I know when you are working all week to see elderly people shopping Saturdays but some rely on family to drive them there and they can only do that weekends. If they are on frames they will have needed someone to bring them.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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2026 #1 £55/£667.95
Save £12k in 2026 #1 £1000/£120000 -
Ooh I love a good coat, hope it's as nice as it seems. Enjoy the cava 🥂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael0
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