We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Progress not Perfection
Comments
-
Its sounds like a lovely day. There's nothing like a girls' day out!
I hope Mr SA gets over his mood by the morning. Would it sweeten the experience if you brought him home a sausage roll or something?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 -
Mr SA didn’t get up until after 9am today as he was still sulking about me going out yesterday. I had to remind him to get out of his pit and put his big boy pants on otherwise I’d go out without him 😖
This is just what I’m dreading when I retire if I want to do something that doesn’t involve him. Thankfully I don’t succumb to his moods like I used to. Pre his illness days I’d just try and keep the peace. If he wants to sulk now I just let him get on with it.That aside, we went to the big Mr T as I had loads of soft plastic recycling to drop off. Also did a bit of shopping.Tonight’s dinner was pizza with homemade wedges and lots of salad.The weather has been gorgeous so cut the grass and cut back some overgrown shrubs. Also managed to sit outside and read a couple of chapters of my book.Cut the grass and did some garden tidying.Enjoying a glass of pink Prosecco whilst watching Strictly.I get knocked down but I get up again (Chumbawamba, Tubthumping)7 -
You were lucky to get lovely weather. It was overcast most of the day here & a bit on the chilly side. Although I did get some garden bits done.
Hope you enjoyed Strictly. Ross was hilarious. Love La Voix.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £850/£3000
.
Studies/surveys November £0
Decluttering items 1382/2025
Books read 20
Jigsaws done 18
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
That’s another weekend almost done ☹️
I’ve been really busy today trying to catch up on housework. DD is at work today so managed to give the kitchen and bathroom a good clean and did the rest of the house while Mr SA was having his siesta. He’s now gone out with the dog so have whizzed round with the steam scrub mop to finish everything off.Jotted down a meal plan for next week balancing out using up stocks and trying new recipes. Made a batch of carrot and lentil soup for work lunches.Took the dog on the park this morning, it was really foggy. The sun is out again now and it’s quite pleasant.Not a NSD as I’ve booked myself into a Christmas decoration masterclass at JL. It was £10 which you can redeem back on the day in homeware and you get a glass of bubbly on arrival. No doubt Mr SA will moan about that too as it’s on a Saturday afternoon. I just thought it was something really nice to do in the build up to Christmas.Tonight’s dinner is sumac salmon and bulgur wheat bake trying a new recipe from a PON cookbook.I’ve got rose Prosecco left over from last night to watch the Strictly results with 🥂I get knocked down but I get up again (Chumbawamba, Tubthumping)8 -
I love sumac, and bulgar wheat. Not so keen on salmon though, do you think I could substitute it? Worth a try if it's as tasty as it sounds.
The class sounds fab too!Debts 04/01/25 01/11/25
Natwest2 £6,509.97 £5,700
NatWest CC £7,612.74 £6,755
Lloyds CC £6,112.60 £4,815
1st Direct CC £176.03 £0
CC total £20,411.34 £17,270
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,710
Total £36,195.78 £29,9801 -
Well done on carving out some time to yourself and I thoroughly agree that you should not let Mr SA drag you down if you do something you enjoy which does not include him. Best to get a precedent set before you retire so he knows that retiring does not mean you are available every day to take him out somewhere. My pre retirement workshop I attended before retiring 8 years ago called people like Mr SA time stealers whether it is spouse, parent, friends, child or local organisations where everyone and anyone thinks you have all the time in the world free because you no longer work. Resist would be my advice and just be selective.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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2025 #1 £667.95/£500
Save £12k in 2025 #1 £12000/£124505 -
Yes definitely I reckon. Anything that goes well with a lemon flavour.rachmac3 said:I love sumac, and bulgar wheat. Not so keen on salmon though, do you think I could substitute it? Worth a try if it's as tasty as it sounds.
The class sounds fab too!I get knocked down but I get up again (Chumbawamba, Tubthumping)3 -
Thank you for this. Mr SA is definitely a time stealer and as I found out from a workshop I attended a drain rather than a radiator.enthusiasticsaver said:Well done on carving out some time to yourself and I thoroughly agree that you should not let Mr SA drag you down if you do something you enjoy which does not include him. Best to get a precedent set before you retire so he knows that retiring does not mean you are available every day to take him out somewhere. My pre retirement workshop I attended before retiring 8 years ago called people like Mr SA time stealers whether it is spouse, parent, friends, child or local organisations where everyone and anyone thinks you have all the time in the world free because you no longer work. Resist would be my advice and just be selective.I get knocked down but I get up again (Chumbawamba, Tubthumping)3 -
Afternoon all.
Worked in the office until late morning now back home for the afternoon shift.
Free coffee picked up on the way to work.
Stopped at Lid! on the way home.
Today is the start of the new 4 week budget period so closed off the last one. Total of £105.83 underspend. Grocery budget was £17.88 overspent which was offset by the overall underspend, it was expected though as I did quite a bit of stocking up. £5.83 oddment went to the Christmas pot, £50 to the vet pot and £50 to the personal spends pot (£25 each for Mr SA and I).
I couldn't understand why the sinking funds account had £51.53 more in it than my spreadsheet said it should have. On further investigation it was interest. As the Christmas pot had less in it that it should have at this point of the year I've shuffled it all over to there.
Today's exercise has been walking to/from work and it's strength training tonight. Also need to do my daily dance challenge. I had to do 3 dances in a row yesterday as I didn't get time on Friday and forgot on Saturday so I hula hooped for 3 songs 😆
Tonight's dinner is a portion of veg chilli from freezer stocks with jacket potato and salad.
I get knocked down but I get up again (Chumbawamba, Tubthumping)6 -
Great underspend.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £850/£3000
.
Studies/surveys November £0
Decluttering items 1382/2025
Books read 20
Jigsaws done 18
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601.1K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards

