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Progress not Perfection

1990992994995996

Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,548 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Brilliant underspend SA. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £27,644....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £1100/£3000
    .

    Studies/surveys January £14.84

    Decluttering items 1402/
    2025.  7/2026
    Books read    23 in 2025.  2026- 1 (target is 52)  
    Jigsaws done  20 in 2025.  2026  

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • badmemory
    badmemory Posts: 10,208 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    So glad DS is going to help with the loft.  I am finally trying to completely empty mine as my DS does not do ladders & being 69 days from my extra 25p state pension I worry that one day I may find I no longer can.  I moved here from a much larger house & I still have stuff up there from when I moved in over 30 years ago.
  • Rhyddid2026
    Rhyddid2026 Posts: 893 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    The NAS do a great webinar/e-learning on ASD in girls. I did it a couple of years ago after working with boys for about 15 years. I learned a lot and it led to me getting an assessment for my adult sister. I've recommended it to a few people I work with, it's pretty short and pretty easy, but it really made me realise how differently it can present in girls compared to boys. You probably know it all already, but it might still be useful to suggest to others who might be able to support her in better ways. 
    Debts                04/01/25         02/01/26  
    Natwest2           £6,509.97       £5,500 
    NatWest CC      £7,612.74       £6,605
    Lloyds CC          £6,112.60      £4,450
    1st Direct CC     £176.03         £39.26
    CC total             £20,411.34    £16,594.26
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £7.880
    Total                  £36,195.78    £28,474.26
    EF £701.52
    HF  £3.04
  • EssexHebridean
    EssexHebridean Posts: 25,352 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy new mortgage free year SA - brilliant result knocking time off as well! 
    🎉 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 Calculator
    she/her
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,232 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    We do have a gym nearby that I belonged to for years pre Covid. To be honest I prefer the live at home classes now but I haven’t ruled out going back once I’ve retired. 
    I can understand the at home classes when you are working but I found when I retired I wanted to get out of the house and particularly for you with a very needy and clingy spouse you may find it better to go to a gym.  I love mine and am down there probably around 5 times a week as it is a social outlet and I often go for coffees/lunch after classes or a trip up the gym or swim/spa. 
    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 2026 #1 £55/£667.95
    Save £12k in 2026 #1 £1000/£12000
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,232 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    DD has officially been diagnosed with autism and ADHD today, next step is getting the medication which I believe takes some time. So that's both her and DGS with the same diagnosis. 
    The medication may help but it sometimes takes a while to find one that suits.  Both my DD1 and DGD1 have been diagnosed with Autism and ADHD.  DD1 takes medication and does find it helps.  There is definitely a genetic link. Hope your DD gets on ok with the medication but yes it takes a while to get it.  I think the general explosion of those being diagnosed with it has led to drug shortages. 
    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 2026 #1 £55/£667.95
    Save £12k in 2026 #1 £1000/£12000
  • Seasidegal58
    Seasidegal58 Posts: 6,163 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Happy New Year SA!  I've finally caught up with your diary after re-starting it from September!
    Congratulations on finishing your mortgage and it's been interesting reading your retirement plans. I retired as soon as I was eligible for my State Pension - I waited that long so that it supplemented my private pensions. 
    Your DS's wedding looked lovely and so unusual. 
    And as for Mr SA?  Well I can only echo your other posters in bowing down to you in admiration of all that you do and manage, especially as he has not been easy these last few months v❤️
    However I must say that his kleptomania in the charity shop did make me laugh!😂
    xxx
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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