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Progress not Perfection
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The picture hook made me smile. That's the sort of thing I would do...lol
Have a good day. Hope you're feeling betterMaking 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-up1 -
Your office sounds perfect for you 👍January spends - £587.581
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2025 calendar now hanging on the picture hook so no more mistaking it for a large moth in the dark 😆 It's a lovely calendar I bought from a garden centre called Seaside Days. Birthdays and holidays noted onto it.
I've dug out one of my old Bargrooves CDs to play in the background while I work. It's called Frosted which I thought was rather apt for today's frosty weather. When we took the dog on the park this morning the grass was crunching.
It's been really quiet at work, I didn't even have that many emails to come back to. Making the most of the lull as this time next week it will probably be a different story.
WW finally put up the list of new live exercise classes, some very different ones to try starting with Salsacise on Saturday.
Checked that the money had gone through to the regular saver I opened yesterday as my banking app tried its best to convince me it was a scam. I'm glad they make it difficult in some respects but it's a bit of a faff when it's your own account you're sending money to. Anyway it's arrived safely.I get knocked down but I get up again (Chumbawamba, Tubthumping)9 -
I had trouble getting my money into the Christmas Regular Saver as for some reason my bank won't let me set up two payees for the same establishment but with different accounts (I already have the 6 month saver due to mature start of Feb). I've got round it for now by deleting the 6month payee as I've already filled it up but as I want to open another of those later in the year, I'm not sure how it will work outLD 12.25 £1600.00/£0700.00 Fn £274.00 LTFn £525 LLTFn £300
Renewal 25 £500.00/£500.00 InsH 12.25 £600/£600.00 InsP 03.26 £150/£150.00
NPt 12.25 £150.00/£051.50 Ins/TC 02.26 £550/£470.00
YX25 £1500/£0750 FD £3600/£0600
PX25 £1500/£0625 P6m £1200/£0800 PEa £100/£0601 -
joeyjimbles said:I had trouble getting my money into the Christmas Regular Saver as for some reason my bank won't let me set up two payees for the same establishment but with different accounts (I already have the 6 month saver due to mature start of Feb). I've got round it for now by deleting the 6month payee as I've already filled it up but as I want to open another of those later in the year, I'm not sure how it will work outFashion 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 family3 -
Just catching up on diaries.
Happy New Year SA. Hope 2025 is a more chilled out year for you.
Also hope your lurgy is short lived. Think this year is the first in four of five where neither of us have been ill over the festive period!2 -
Morning all, happy Friday. Could get used to these 2 day working weeks 😆
WFH again today. Should be another quiet day. Going back to the office on Monday will be a shock to the system. I usually finish at lunchtime on Fridays when I'm in the office and will probably do the same today.
It won't be a third NSD in a row as we are almost out of bread. I might go to the big Mr T this afternoon so that will save a trip tomorrow.
I took down and boxed up some more Christmas decorations last night and put them in the cupboard under the stairs. Just need to take down the tree and the outside lights. I mentioned to Mr SA that I will be glad when we get the loft hatch and ladders later this year and he started moaning about me 'throwing money away' by all the work being done on the house. He said he's got his old roofing ladders in the shed, what's wrong with them and he can do the loft hatch. When he was working he wouldn't pay anyone else to do work on the house and tried to do it himself, not always very successfully. Reminded him it would be me going into the loft and I need proper safe fixed ladders not some ancient roofing ladders. I also mentioned it would be worth looking at replacing the loft insulation as it's been there a very long time. He said he'd been in the loft recently and it was fine. I asked how recent this loft visit was. Apparently it was when he did our new roof which was at least 15 years ago! The insulation was old then!
In other gripes, despite me asking her not to on several occasions, DD bought the dog a chewy bone. The dog won't eat them she just spends ages trying to find a suitable place to hide them. Well the dog was constantly trotting in and out of rooms last night, throwing all the cushions and throws off the sofas in both rooms and generally causing mayhem. She eventually found a hiding place behind a cushion then the cat came in the room and dared to look at the sofa. The dog started growling at the cat who I'm sure wasn't in the least interested in the blooming bone! So the bone was retrieved from behind the cushion and off trotted the dog again in search of another hiding place. Needless to say the bone went in the bin this morning 😐 A few years ago we went on holiday and I found a bone in my suitcase when I unpacked.
I made a list of all the regular savers and gave them all a purpose. So one will be for home improvements, one for the emergency fund, the 6 months ones for holidays and the one I recently opened is my retirement pot. At the end of the year the emergency fund pot will be closed off and more added to my retirement pot so I've got something I can dip into if I need it.
Today's exercise will be dog walking later this morning then walking to/from the big Mr T.
Tonight's dinner will be whatever needs using up in the fridge vegetable wise. I've still got loads of root veg.I get knocked down but I get up again (Chumbawamba, Tubthumping)7 -
Oh dear....to Mr SA with the ladders, and your mad dog. Don't know how you cope.
Love that you are so organised with the regular savers. I'm still organising my pots this year. Trying to work out what's best.
My parsnips from the Christmas veg, are not keeping very well. They were from Mr M. Think they must have been past their best when I bought themMaking 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-up0 -
SA that made me laugh we used to have a little dog that hid bones in random places like the third step up the stairs and growled when you walked passed it when he died we would find little piles of stones in the garden where he had hidden things bless him he was a little character2
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Our dog is exactly the same with bones 🤣🤣🤣1
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