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Progress not Perfection
Comments
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Your projected 2025 sounds brilliant - you have kept up long-term goals and are near to achieving others. There are holidays to look forward to! The mortgage is nearly gone and you can plan for retirement and all that lovely time when you have your morning coffee and read your book and don't have to go to work.
2024 had its awful moments and I'm glad they are in the past now. You won through those and came out the other side and I hope they fade into the background now.
Happy new year to you all!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 21/3/223 -
2024 has been awful for so many people. You always hope for a better year but somehow doesn’t seem to happen. Sounds like a lovely year ahead for you SA, hopefully no dramas tho. I never make new year resolutions, why wait till then, start as soon as you decide to change something. I’ve had my chippy tea which was lovely, had a bath now in bed listening to the rain.
Happy new year to you and your family SA.x:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.004 -
Hope 2025 is much less stressful than 2024 was.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,644....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF #68 £950/£3000
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68.Studies/surveys December £68.87
Decluttering items 1386/2025
Books read 22
Jigsaws done 18
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Happy New Year @Sun_Addict. I don't usually comment but I always read your posts, and am in awe of all you achieve (sometimes I feel like I need to have a lie down when I read how many steps you have done!!!) Lots to look forward to in 2025 and it will be fab for you when the mortgage is cleared.2
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Happy New Year SA2
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Happy new year, hope you had an uneventful night and no sleep walking, and hope you feel less bunged up.
i really enjoyed La Palma, even the dubbing didn’t put me off.Your mini goals sound great, I love the idea and bet it’s really motivating. I might try that with my health and fitness, my motivation has gone out of the window….
Have a lovely NY day xx1 -
Happy New Year! Hope you feel better soon x"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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Morning all, happy New Year!
Thank you for all your messages 😊
Finances done.
CC balance cleared.
£100 overpayment sent to the mortgage.
£250 sent to the Principality Regular Saver, £200 to Nationwide RS. Money also sent to the various sinking funds pots. Oddment of £5.71 sent to the Christmas pot.
£200 to Principality 6 months regular saver - this is the final payment and matures next month and is the balance of the April holiday. I plan to set up another one for the September holiday.
Opened a Principality Christmas 2025 Saver 7% fixed interest but you can only put up to £125 a month in. When the YBS Christmas Saver starts I will be opening that one as well.
No particular plans for today, the weather is dire at the moment. My patio furniture is halfway down the garden from the wind. Will take the dog out when it's fit to do so.
Exercise today is dog walking and Zumba at 6pm.
Tonight's dinner is a portion of salmon from freezer stocks, Mexican rice and veg.
Back to work tomorrow - boo 😒
I get knocked down but I get up again (Chumbawamba, Tubthumping)7 -
Happy New Year xxSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x1 -
Happy New year I hope your 2025 is full of love, laughter and happiness and all surprises are positive.
I love the way you use the 6 month regular saver to save for your holidays.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 family1
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