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Progress not Perfection
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beanielou said:Your figures are just awesome.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 21/3/226 -
Brilliant savings & mortgage figure.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 £410/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £58.64
Decluttering items 748
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-up3 -
Cherryfudge said:beanielou said:Your figures are just awesome.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 -
Morning all, happy Tuesday.
WFH today.
The Mr M delivery has been and all packed away, nothing missing or subbed but somehow I managed to add two packs of Tassimo latte pods to my order by mistake. We have a L'Or machine but fortunately I kept the old Tassimo machine and Mr SA will drink latte so not a complete waste of money. Note to self check the updated order carefully 🙄 The app was a bit over-sensitive last night and kept adding things to my basket randomly but fortunately I noticed all of them apart from the pods. Annoyed with myself as they were an unwanted spend in this week's grocery budget 🙁
Savings wise, I'm very aware I only have about 34 paydays until retirement so trying to save as much as I can without scrimping. I also want to get as many home improvements done as possible before then. This year's aim when one of the regular savers matures is to refurb the dining room.
Today's exercise is dog walking later this morning, bums & tums at lunchtime and resistance bands tonight. I though my waist would ache today after the hooping but it feels ok. Going to have another practice with it today.
Tonight's dinner is a portion of squash dhal leftover from Sunday. Food wise I'm on a mission to empty the small freezer this week so I can defrost it. There is a fair bit of space now in the main freezer so I should be able to squeeze everything in temporarily. The main freezer is frost free so don't have to worry about that one.
7 weeks today we'll be at the airport 😎
I get knocked down but I get up again (Chumbawamba, Tubthumping)7 -
Oh my goodness, 34 paydays til retirement is exciting and scary! Good idea to get big home things done/saved for beforehand if you can. What are you wanting with the dining room refurb?2
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Definitely a good idea to have a balance of getting things done ahead of retirement and also making sure you bolster savings as well. 34 paydays sounds like both quite a lot and not very many depending which way you look at it I think!
We also earmark regular savers for specific purposes - the Coventry one was theoretically for the solar this time round to reduce the amount needing to be taken from long term savings. As I haven't gone for that one again I am now trying to work on using the money which would have gone across to it monthly to stash as much for it as possible - with luck we may not need to even touch all the Coventry money!🎉 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/her2 -
Oh how I wish I was only 34 pay days away from retirement
(I'm not even going to work mine out it will only upset me)
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PennysIntoPounds said:Oh my goodness, 34 paydays til retirement is exciting and scary! Good idea to get big home things done/saved for beforehand if you can. What are you wanting with the dining room refurb?I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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RelievedSheff said:Oh how I wish I was only 34 pay days away from retirement
(I'm not even going to work mine out it will only upset me)
I get knocked down but I get up again (Chumbawamba, Tubthumping)2 -
Sun_Addict said:RelievedSheff said:Oh how I wish I was only 34 pay days away from retirement
(I'm not even going to work mine out it will only upset me)
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 £410/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £58.64
Decluttering items 748
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-up5
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