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Milann’s quest for a new me in 23

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  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your swim.
    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.
  • milann
    milann Posts: 11,386 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I didn’t actually get to the pool. I sat down snuggled under my blanket and was so comfortable I didn’t get up to go. Full of good intentions that easily get pushed to one side 😏😏😏 Just about to whizz around and have a quick tidy up.
    Hospital phoned again - I thought they were going to cancel but asked if I could get there half an hour earlier and go straight to X-ray before seeing doc. At least that’ll cut waiting around down a bit 👍 
    January spends - £587.58
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's handy then - hoping it all goes well for you! 
    🎉 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes well.
    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.
  • Good luck for tomorrow. Snuggling under a blanket sounds delightful. 
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Sun_Addict
    Sun_Addict Posts: 24,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fingers crossed for tomorrow that it goes ahead and goes well 🤞
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • milann
    milann Posts: 11,386 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Thanks everyone - I’ve got no worries about tomorrow, other than getting there on time.  I’ll have my arm xrayed as routine. It’s deteriorated over the last few months but consultant has previously told me there’s not much more they can do. It is what it is. He is so lovely, the appointment is as much for their research as for my benefit….apparently the op I had fairly rare and he’s the top dog in his field - which is why I was transferred from my local hospital to where I go tomorrow. One day I’ll do something straightforward 😏😂
    Not sure what we’re doing after the appointment- we often go on to a seaside place a bit further on but I usually have this check up in the summer….it has overrun quite a lot. The weather isn’t very enticing for a day out, so we’ll decide tomorrow.
    January spends - £587.58
  • Oooh, fish & chips in the car at the seaside place would get my vote 😋
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Oooh, fish & chips in the car at the seaside place would get my vote 😋
    You're a bad influence, you are! :wink: (But I'm not disagreeing, you'll note!) 
    🎉 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Another vote for chips by the sea. You can always sit in the car if its raining. 
    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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