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Progress not Perfection
Comments
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Happy holidays3
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Enjoy your break SA - have a lovely relaxing few days. ⛱️Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”2 -
Have a lovely time! Looking forward to seeing some photos.
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 21/3/222 -
Have a great trip SA!🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Have a lovely time!Debts 04/01/25 03/08/26
Natwest X2 £14,122.71 -
Barclaycard - £10,078
Lloyds CC £6,112.60 £3,595
1st Direct CC £176.03 £33.93
CC total £20,411.34 £13,706.93
OD £1100 £0
Car loan £4,000 £2,800
1st Direct Loan £10,684.44 £4,875
Total £36,195.78 £21,381.93
EF £2,550
HF £1002 -
Have a great time. Hope Mr SA behaves himselfMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,104....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £290/3000
Studies/surveys July £99.11
Decluttering items 1400/2025. 353/2026
Books read 23 in 2025. 2026- 16 (target is 52)
Jigsaws done 20 in 2025. 4 in 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
We arrived here a few hours ago. Threw the cases in the room and went for lunch, Mr SA seems to be constantly starving and has done nothing but eat since we set off! Anyway this is the view from the balcony. It’s a bit hazy this afternoon but still around 28 degrees.
I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪11 -
Cor 😍
Enjoy 🥂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Looks lovely SA,⛱️😀Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”2 -
Lovely view.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,104....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £290/3000
Studies/surveys July £99.11
Decluttering items 1400/2025. 353/2026
Books read 23 in 2025. 2026- 16 (target is 52)
Jigsaws done 20 in 2025. 4 in 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2
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