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Progress not Perfection

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  • We are also looking forward to Strictly final.  Will be voting for Sara & Vito.  Although I have a feeling Chris and Dianne may win. Enjoy your Cava
    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 729

    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-up


  • Humdinger1
    Humdinger1 Posts: 2,290 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I'm in danger of being a broken record here @Sun_Addict but doesn't Mr SA realise that if you don't recharge your batteries, the whole thing comes to a juddering halt?! You book as many days out with friends as you can squeeze in, please.  You do know how fab you are, I hope? Love Humdinger xx 
  • Sun_Addict
    Sun_Addict Posts: 23,955 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We are also looking forward to Strictly final.  Will be voting for Sara & Vito.  Although I have a feeling Chris and Dianne may win. Enjoy your Cava
    I knew from week 1 who would win. None of the others stood a chance. My favourite was JB. It was a brilliant series this year I’ve really enjoyed it. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • I was only saying the same to DH last night. We normally watch Love Actually as our first film, and not seen any yet, apart from a few odd bits of very cheesy Ch5 or some other film channels.  The modern ones seem to be so rubbish these days.  I'm looking forward to Miracle on 34th Street, Muppets Christmas Carol and some of the other old ones.  I am keeping my fingers crossed that the new one called That Christmas, will be good.  It is by Richard Curtis who wrote LA and is coming on Netflix.  Its animated, but the clips I've seen look lovely so far. 
    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 729

    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-up


  • ladyholly
    ladyholly Posts: 3,908 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I havent wrapped any presents either.
  • beanielou
    beanielou Posts: 95,362 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Nothing to beat The Snowman. ☃️ 
    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.
  • Ooh impressive that you've had your seeds already SA - ours haven't arrived yet, but then they originally had our subscription as starting from the February edition rather than January - that's been sorted out now though. 
    🎉 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • RelievedSheff
    RelievedSheff Posts: 12,690 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    ladyholly said:
    I havent wrapped any presents either.
    Ours are all wrapped and delivered to the relevant places now.

    We can have next weekend to chill out and relax now.
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