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Milann’s quest for a new me in 23

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  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 20 January 2023 at 6:30PM
    Burnley is definitely Lancs.
    Debt free Feb 2021 🎉
  • Sun_Addict
    Sun_Addict Posts: 24,039 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the weight loss 👏🥳
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,555 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great loss  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • To me anything that requires you pay card or cash and isn't a regular DD is a spend. So food shop included. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8440/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1010/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • beanielou
    beanielou Posts: 95,555 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I don't count budgeted spends ie food or petrol unless I go over budget or buy non essentials.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Well done on your weight loss Milann 🎉🎉 Im still in Christmas denial 😂but I will get focused when DD moves out ( I will be too broke to buy food 😀) I will be ok food wise but treats will have to be home made I think 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • SueP19
    SueP19 Posts: 1,882 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 21 January 2023 at 9:10AM
    Watched Bank of Dave last night, brilliant well worth watching
    Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot
  • milann
    milann Posts: 11,386 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Thanks for all the replies. Yes Bank of Dave is worth a watch.
    We ventured out yesterday…..I was unsure as my Ave is still like an icing rink. It doesn’t get much sun in the pan of the Ave but the pan handle had more or less defrosted so we decided we needed somewhere that wasn’t in the shade of bulidings so the sun would have melted any snow or ice. We  headed back to the place we’d been to on the New Year Bank Holiday…..it didn’t look as if they’d had any snow at all and it was a beautifully sun shiny afternoon. This gave Dh a chance to try his new toy with which he is very pleased, whilst I mooched around the little independent shops. I only had chance to do one side of the street before he had finished. On our way back to the car I found a Seasalt shop. I resisted a visit but will definitely go back come summer when I’ve lost a few more pounds. There wasn’t as many independent shops as I remembered but were a lot of charity shops and I did go in quite a few. Some I entered and walked straight out again as they smelt like charity shops used to. I couldn’t buy anything from a smelly shop 🤢 Anyway 1 shop was lovely- a local hospice fund raising shop. It wasn’t smelly or cramped. I found a lovely grey cardigan with a cabled yoke it still had its original labels on so hadn’t been worn……£5 so I bought it 😀 When I tried it on it was a tad tight but I’ll hang onto it 👍 Had I been in line for a posh evening frock….this would have been the shop, there were some beauties for £40ish. I started chatting to the shop assistant and we decided some of them could tell a tale or two 😉
    From there we went to our favourite cafe in that neck of the woods and it didn’t disappoint. I had a small fish and chips for £4.20…..the chef cooked a full size fish by mistake 😂😂 I wasn’t complaining 👍 I only ate a corner of the batter so the chips only took me slightly over my SW target and the fish and peas were classed as free food. That’s why I like SW it fits in with my life 😀 Like everything else though the mindset has to be in the right place. Fingers crossed I’ve cracked it this time 🤞😉
    On our way home I nipped into Ald to get a few bits. Dh was with me so £35 later….taking me spend for yesterday to £40.
    January spends - £587.58
  • milann
    milann Posts: 11,386 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Not much happening here in milann land. Went to see ds at weekend with a short walk near his house…..we were still thick in ice here and he’s only about 5 miles away and there wasn’t any to be seen. Yesterday I went for a walk to my favourite lockdown walk as our ice finally vanished. I called in Aldi for some veg and bread £4 spent.
    It’s ds birthday at weekend so I’m off on the tram to the big shopping mall and will see if I can find a little something for him to open….no point going to my local town as there isn’t a lot of shops left there. £3.50 will be spent on return tram ticket. Birthday treat for him is from last years stashed away cash 😀👍
    January spends - £587.58
  • Ooh I know what you mean about smelly charity shops. They all used to be like that years ago, but most are ok now, jut the odd few that are like it now. I think its the smaller ones where everything is crammed together that are the worst. Love a good rummage in a charity shop, my favourite buys are normally jigsaw puzzles & books,  I seem to struggle to find any clothes in the local ones. But normally find some if we travel further afield, especially in the "posh" towns....lol
    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  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

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


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