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MeandO's money-shuffling
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That’s good to hear. Great savings with the points and well done on the debt reduction 😊
Retired at 55 & now living off the equity £10k a year
❤️Mum 2018 ❤️Dad 2025
0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p11 -
I leave my purse at home when I do a charity shop drop off
June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Tend to the part of the garden you can reach
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest2 -
The debt will be gone before you know it 😁💪🏻.
Emergency Fund -£1000
Grocery Spends -Oct £408/500. Nov £243.39/500
Debts- CC 316, CC 3058.17, Kitchen loan 38571 -
Excellent idea @in_need_of_direction!
So, an early physio session this morning and they've discharged me because it's 'not an issue that's going to get any better with physio.' 😖 So I'm back to square 1 with regards to pain and movement again. Back to the GP I go.
No unplanned money was spent yesterday so I'm taking it as a NSD. :)
Food was used up from the freezer/OH's freezer and I've taken something out to cook for DS this evening.
I asked DS to try on some of the things I'd bought him for Christmas as I wasn't sure of the fit / whether he'd like them and all but two were not suitable, so it's a good job I asked him now rather than wait until Christmas. He kept saying sorry, bless him, but I told him it was a good thing that we've tried them now, he didn't need to apologise, bless him. I've packaged one parcel to go back, the other I can take to a shop locally for a refund which I'll do this weekend. It does mean I hardly have anything for him now though so I've asked him to send some links or pics of things he likes, it's much easier.
It's absolutely freezing here, -3 when I went out this morning, so the heating is on and will be staying on until it warms up as the house felt really cold when I got home. On that note, I received a letter yesterday saying I will be receiving the warm home discount of £150 again this year which I'm really grateful for. I'm worried about the heating bill as is, so that will help.
Keep warm all xxMortgage at highest: £147,500 Now: £63,998
Mortgage OP’s: £26,402.66
Debt: £5755.68 £9852 -
Hello, I hope you’re all enjoying your Saturday. Mine started well, but some testing behaviour from DS dampened the mood a bit, so I’m leaving him to get on with his own day upstairs away from me and I’ll try and make the most of mine! He is acting like an entitled so-and-so today which is a real shame as we’ve had such a lovely week with very little negative behaviour. Oh well, ups and downs and all that. 🙄
I’m annoyed at myself today as I miscalculated the budget a bit and am £85 poorer than I thought I was. 😩 It means I’ll have less than I was hoping available to pay off the debt, but at least it’s going down and not up, I guess. The next 10 days are going to be very lean though as there’s absolutely no money left in the pot for anything other than groceries and petrol. I have £130 to cover both.
I returned the parcel that had to go back by mail yesterday so a refund should hopefully be received soon for that one. I was planning on taking the other back to store today but have heard there’s a road closure in that direction and the traffic is backed up so I’ll leave it until tomorrow.
Another Christmas clothing parcel arrived today, the contents of which I’d like DS to try on for size, but I’m not even going there today with his poor attitude, it can wait!My monthly magazine subscription arrived yesterday, so I’m going to sit and read through that later. I’m looking forward to it. It’s now my treat to myself once a month. :) I don’t plan on doing much else today, other than phoning my parents for a chat and cooking DS some food later with the chicken I got out of the freezer. I feel like having a lazy day today, so that’s the plan.
Mortgage at highest: £147,500 Now: £63,998
Mortgage OP’s: £26,402.66
Debt: £5755.68 £9850
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