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Progress not Perfection

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  • Sun_Addict
    Sun_Addict Posts: 23,993 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If I get the card it won’t cost me anything technically as I have £44.50 in Clubcard vouchers and would only need to use £17.50 of them for it. My next rail journey is in 2 weeks when I’m going to see my friend. It’s only a 40 minutes journey so I won’t save much but it all adds up. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • rachmac3
    rachmac3 Posts: 330 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    edited 26 March at 10:20PM
    I say get the railcard. The railcard seems to suggest freedom and adventures!

    Debts                 04/01/25        01/07/25   

    Tesco CC          £6,509.97       £5,945.00 
    NatWest CC      £7,612.74      £7,155.00
    Lloyds CC          £6,112.60      £5,215.00
    1st Direct CC     £176.03         £4.50
    CC total             £20,411.34   £18,319.50
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,451.62
    Total                  £36,195.78   £32,021.12
    EF £300.00
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,060 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I use my railcard a lot for walks, visits to other towns, lunches out with friends etc.  We pick a different town each month to go out for lunch. I often use the bus from various stations to get out to the coast to save on extortionate parking charges.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
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  • Cherryfudge
    Cherryfudge Posts: 13,189 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I got my first Senior Railcard last year and saved money by getting a two-year version. Worth looking into, and also gives you access to promotions via email (not that I've ever used those and I don't use the card often, but it can pay for itself quite quickly).
    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 21/3/22
  • Makingabobor2
    Makingabobor2 Posts: 4,196 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    OOh, like the sound of sparkly trainers. 
    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  £500/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £72.46

    Decluttering items 754

    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


  • badmemory
    badmemory Posts: 9,580 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    As you are so active at the moment, by this I do not mean how many steps you do a day only, you will need to find things to keep you mentally as well as physically active.  Like working, retirement can be just another rut that you get into.  Forward planning is the key I think.  Especially in your case as I am sure you are aware of the danger of just becoming Mr SA's carer. 
  • JGB1955
    JGB1955 Posts: 3,849 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    The Railcard will be a good excuse to make sure you get your monies/Rewards worth.  Your target, should you accept it, is to spend at least £118 on full price fares/ £83 on discounted Railcard fares in the next 12 months.  Off you go.......!
    #2 Saving for Christmas 2024 - £1 a day challenge. £325 of £366
  • Sun_Addict
    Sun_Addict Posts: 23,993 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Saturday 🥂

    The whole morning revolved around going to the retail park to look for garden canes, hooks to fix the trellis to the fence and a few other garden related bits and bobs. I had planned to go on the bus on my own to save time but Mr SA insisted on coming with me on his scooter so it was an hour’s walk each way for me. Left the house at 8am and got back just before 12. Mostly a waste of time as I couldn’t find what I wanted apart from the canes. Got home and found all the stuff I couldn’t find in the shops on Am@zon and it’s arriving tomorrow. I should’ve just done that in the first place and saved myself 4 hours. And they wonder why people shop online 😐

    I did get a great bargain from BnM though - 2 packs of 12 W@rburtons crumpets for 50p each. Not even out of date until 1 April. They are destined for the freezer for future breakfasts. I also picked up some air fryer spray oil while I was in there. 

    Despite aching feet did some gardening this afternoon while Mr SA went back to bed as the shopping had worn him out! 

    Just had a nice soak in the bath before preparing dinner. Trying another new recipe from The Vegan Air Fryer cookbook - sticky mushroom burger with homemade wedges and salad. Then it’s feet up on the sofa with rose Prosecco 🥂 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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