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Progress not Perfection
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Well done on the cash out. I have been waiting for £1.50 for about 3 weeks now. I swear they slow down as soon as you get near the limit.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 £58.64
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 -
Just catching up on the last few days on your diary. The fireplaces look fabulous. Really seasonal and cosy.1
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Sun_Addict said:There's not really room for it anywhere else @satchmo1, he's behaving himself so far today 😆
Finally cashed out £25 on Opinium. I've been just 40p short of cashing out for the last few days.
The internet has been fine since first thing this morning, isn't that just typical.
Mr SA put the toothbrush holder, mirror and picture back up on the bathroom wall so that kept him occupied for a while. The toothbrush holder isn't very straight but trying not to look too closely at it!Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
That’s Wednesday done.Late updating today, been really busy.Worked in the office but finished early to pick up the cat’s flea and worm treatment from the vets at the retail park. Caught the bus there from the city centre and it ended up being free as the card machine wasn’t working. Bought some shelves and other bits and bobs from BnM. It’s a good job Mr SA wasn’t with me because it took me forever to choose the shelves. Mr SA is insisting on putting them up as he claims he’s in builders mode at the moment 😬
Made a start on Christmas shopping and bought the dog and cats presents from the pet shop.Free coffee picked up courtesy of 🐙
Exercise today has been 24,700 steps so far - a combination of walking and Zumba.Tonight’s dinner was Thai sweet chilli lightly dusted basa with steamed vegetables.I get knocked down but I get up again (Chumbawamba, Tubthumping)5 -
Morning all, happy Halloween 🎃
WFH today.
The payday shuffle has been done. An oddment of £6.88 has gone to the Christmas pot and the vet/appliances/glasses/annual payments pots have been fed. Regular saver pots will be fed tomorrow, down to two at the moment as the Christmas Saver matures tomorrow and the Principality RS is maturing next week. Won't be able to start up the YBS Christmas Saver until January but will see what Principality are offering when the RS matures.
Only need to buy a few bits and bobs to finish off the house now like a couple of new cushions, throws and a picture. I was going to book a carpet cleaner to do the stairs and landing carpet then buy a carpet cleaner to maintain it. I put the V@x in the skip as it's beyond useless. Read some very good reviews about the Sh@rk carpet cleaner so thinking about putting the money I would've spent on a professional clean towards this instead.
Still got loads of decluttering/tidying to do, it's a work in progress but chipping away at it.
Today's exercise is dog walking later this morning, a live HIIT class at lunchtime but sadly will have to miss Zumba tonight as I'm helping out at a Halloween event at the park across the road. I've made a sign for the drive gates to say the treats are at the park this year so trick or treaters don't come to the door. I've not bought any sweets this year so there's nothing to give if they do. I've told Mr SA not to go to the door and there are no pumpkins or anything on display. The event finishes at 6pm but we'll have to pack away and I have no plans to answer any knocks on the door once I get home. Unfortunately our road is well known as a good place to go trick or treating and is always mentioned on local FB groups.
Tonight's dinner will be tofu stir fry.
I can't believe that's October done! Another month flown by! I really need to start getting properly organised again as things have gone to pot a bit over the last couple of weeks while the refurb was happening. Cleaning has particularly fallen to just the basics so need to catch up with that.
I get knocked down but I get up again (Chumbawamba, Tubthumping)6 -
I have the V*x carpet cleaner. Apart from being extremely heavy to carry up the stairs, I find it excellent. Need to get it out and do all the carpets before Christmas I thinkMaking 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 £58.64
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 -
I'm a tight-wad with trick or treat & I don't open the door. I much prefer our traditional folk traditions for Hallowe'en to the more tacky imported stuff, but the main reason is that I don't see why I should hand out free sweets to kids who wouldn't so much as bother to say 'Hi' to me at any other time of year..... & that includes one or two of the parents too!
F2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (29/100)
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)7 -
foxgloves said:I'm a tight-wad with trick or treat & I don't open the door. I much prefer our traditional folk traditions for Hallowe'en to the more tacky imported stuff, but the main reason is that I don't see why I should hand out free sweets to kids who wouldn't so much as bother to say 'Hi' to me at any other time of year..... & that includes one or two of the parents too!
F
It really made me angry that the last couple of years people have driven to our estate to take the kids trick or treating because they think they will get more sweets here.
It was a joke last year. We couldn't even get on our drive when we got home from work!1 -
On the fire SA, how about plugging it in to a smart plug which you could control from your phone - you could then keep an eye on its use and switch it off if it is clearly on heat mode?! (Or track the amount of energy it's using, and declare with a huge worried sigh that since the energy costs seem to have gone up massively you're starting to think that the next holiday might not be affordable...
)
🎉 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/her4 -
thats a good ideaLancashire
PV 5.04kWp SW facing
Solar Battery 6.5 kWh
🐙 Intelligent Go
Mortgage freedom January 2024 - paid off 7 years early by making overpayments where we could.2
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