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Progress not Perfection
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DH had to start his prep on the morning before, when he had his last one, so he had to have day off work. When I drove him to the hospital on the day he was worried he wouldn't make it as it is about 40mins drive.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
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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-up2 -
That’s the weekend done 😭
So wish I’d booked tomorrow off like I was thinking about. I’m still shattered from yesterday.Did a post event litter pick on the park this morning, it wasn’t too bad considering.Then went to the big Mr T with soft plastics and battery recycling. Mr SA’s preferred brand of lager is on offer in there so picked up a couple of crates.Spent a couple of hours in my hanging chair reading before tackling a few bushes that were getting too tall. The garden waste bin is now full with a wheelbarrow of cuttings ready for when the bin is emptied.Today’s exercise has been walking to/from Mr T, walking around the park and gardening.Made chickpea masala for tonight’s dinner and there’s a portion left for another day. Also made a batch of sweet potato soup for work lunches.Watered and fed all the plants.Mr SA must’ve slept in a funny position last night as he’s been suffering with neck pain today and don’t we all know about it 😞I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
Forgot to say someone took a photo of me litter picking yesterday before the event started. I look far too over dressed for it in my linen shift dress and statement necklace 🤣I get knocked down but I get up again (Chumbawamba, Tubthumping)7
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View from the hanging chair this afternoon. I’ve never seen so many butterflies as I’ve seen this year, seems to be a good year for them.I get knocked down but I get up again (Chumbawamba, Tubthumping)7
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I was hoping for the photo of you in your statement necklace! Garden looks gorgeous though. I often have butterflies in my (very wild) garden but I've never seen so many different varieties all at once as I have this year, it's lovely isn't it 😊
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 £18,319.50TSB 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 £300.002 -
Your garden is lovely @Sun_Addict! Such greenery and I love the hanging chair, I imagine it's such a peaceful spot to relax!2
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Love the chair!If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 0/1000
Buffer fund 0/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)2 -
Sun_Addict said:And we won’t talk about the faux pas with the Lid! free fruit item. Picked up the biggest pack of strawberries after checking they were included in the offer. Why oh why did I also pick up a pack of 69p satsumas forgetting that they would be the free item and not the £3.99 pack of strawberries 🤦♀️ So cross with myself. Another lesson learned the hard way.
Spent £150 last week there as got the hanging chair (partly because you enjoy yours so much) so I'm going to send them an email and suggest they change the vouchers. It would be better as an "up to £1.50 off fruit" or something - that could've messed up someone's budget if they had much tighter purse strings
I also mentioned it to the manager and I said I didn't think it was fair the way it had taken the avocado off, her response was "well, it's not up to me" - now I've worked in customer service and I'd say the manager is the exact person who may be able to just say, oh yes, fair point, I'll refund it this once.... because then I wouldn't be complaining on a national forum, would I?!
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That's Monday almost done.
I couldn't believe it when my alarm went off this morning and was in a strop all the way to work 🤣 The only thing that cheered me up was listening to Dance Sounds of the 90s Ibiza Memories on the Sounds app while I was walking. I think I'm still recovering from Saturday!
Worked in the office today but left just before lunchtime. Stopped off at Lid! on the way home.
It's annoying isn't it @sarah_diamond, although it states lowest price item free in the T&Cs it's easy to forget if you get distracted as I must've been.
Monday finance check done. It's the last week of the 4 week budget period. As things are looking it will be a miracle if the grocery pot is under budget but overall there should be an underspend across all 4 spending pots. The 4 spending pots are: groceries (including beer, wine, shared toiletries, pet food, household), personal spends, entertainment and house/garden. I could do with introducing a 'just in case' pot as often a good offer comes up on something I regularly buy but would make a big dent in a particular pot that month. I think I've overdone the regular savers this year and too much spare money is going into them, 5 in total, plus the mortgage overpayment. Not that it's a bad thing to be saving instead of spending, I'm not knocking it 🤣
Today's exercise has been walking to/from work and I'm joining a live strength training session at 7.15.
Picked up my weekly free coffee and the barista pointed out that I need to scan my coffee app before scanning the free code and I get a bonus stamp for using my own cup. I didn't realise you still get stamps with the free coffees.
Received the monthly gas/electric statement and now £470 in credit so I'm glad I didn't let them raise the direct debit like they wanted to.
Tonight's dinner is leftover chickpea masala from yesterday. I'm joining two live meal planning workshops on my WW app tonight, I've been getting some good ideas from them over the last few weeks so they're very useful.I get knocked down but I get up again (Chumbawamba, Tubthumping)5 -
I think the sleeping thing is about the heat. I've actually been having bad dreams, can't really call them nightmares but they are waking me up. I don't mind it warm but 29 in my bedroom just too hot & I don't seem to be able to cool it down much. I did manage to get downstairs down to 24 earlier but the draft was so bad everything started taking off. I will soon be complaining that it is too cold.2
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