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Saving lots in pots!
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Hope the dentist went well Flowers 🤞0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
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/p10 -
Ouch!
Dentist was long and not very pleasent. But it is over and payment made on credit card. So tomorrow I will be brave and put up the cc value which will be 3000 odd eek! Need to face up to it and crack on with it. I will try and set Mini challenges to help pay it down. Plus Mr fp has said we will help with the tooth bill. But not seen anything yet 🙄
Am very glad the dentist is over I was quite anxious. So I'm relaxing on the sofa and havent made it out into the garden.
Oh well😁😁
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⭐My rambling savings Diary ~⭐1 -
Good morning, very chilly abut lovely and sunny here.
I've had my celery juice and I'm on my mushroom coffee, yum!
I have work today and then taking dd to a college open day to see if it would be a better fit for her.
Money news!
My CC is - £2853.30
&1165 was the tooth yesterday and the rest is from a private gp menopause clinic, other dental costs and a retreat booked for May. Oops!
Anyway this is what it is.
I'm goung to pay £3.30 now to round it up. Then get to work on the first £50.
Might need to do a leaflet drop for some new patients! That would definitely help!
Also need to get my website up and running. Been saying this since before Xmas.!
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OK so actually paid £13.30 👌
So total is now £2840. Leaves nothing in my currant account. But I do have last weeks cash to pay in today and working today so hopefully will get my account up a bit and make another small payment tomorrow.
Maybe a payment a day will keep me motivated to paying it down!
My diary has become a debt diary, oops!
Will still be saving the tax pot and the Xmas pot, and a couple of others. Will get back into detailing those on my Friday round ups
🩵🩵🩵Gratefuls🩵🩵🩵
☀️The sun is shining
🦷My tooth feels OK, not too sore, yippee
💷I have work today!
🍄🟫Had a new recipes for the Jerusalem artichokes in our veg box and they were lovely (with mushrooms, rosemary and garlic)♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
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⭐My rambling savings Diary ~⭐1 -
So relieved for you that this root extraction has gone much better than the last one!
Things ebb and flow - sometimes we need a debt diary and other times we don't. When you started here you were quite stuck. I know technically you are perhaps financially worse off but you seem far more upbeat and 'in your flow' than when you started posting. Once the CC is cleared you will have established good habits that will naturally become savings ....
KKAs at 15.04.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £236,911
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 19 books of target 52 in 2025, as @ 24th April
Produce tracker: £41 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
KajiKita said:So relieved for you that this root extraction has gone much better than the last one!
Things ebb and flow - sometimes we need a debt diary and other times we don't. When you started here you were quite stuck. I know technically you are perhaps financially worse off but you seem far more upbeat and 'in your flow' than when you started posting. Once the CC is cleared you will have established good habits that will naturally become savings ....
KKim hoping so, but it was only 2 days later that the tooth/ face begun to start swelling. So I am still a little apprehensive until I get to the weekend! Fingers are tightly crossed all will be well and I am meditating on wellness and generally trying to be postive and happy!! Trying being the word!Definetly establishing a morning routine is helping.As for the debt Im not overly worrying about it. OH will help out at some point and Ill just chip away as I can. Its just anoying there will be interest!♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
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⭐My rambling savings Diary ~⭐1 -
Morning.
Face feels good and no lump
The sun is shining and blues skies yey!
College visit was disappointing and dd didnt like it at all, which was upsetting as I think she had secretly planned to not go back to her course at all and start at this college in September, but she wasn't impressed at all and compared the standard to her college. She is really, at the best place already interms of quality and outcomes . But this college offered 2 courses which were specialised and you would do one subject rather than three. (So an extended diploma rather than a levels.)
But one course had very little work on display and the other isn't actually running, although it says it is they told us hasn't run for 5 years and the darkroom has been removed. So very disappointed and dd shut herself in her room and wouldn't talk.
Still going to try and get her in to college today, wish me luck😂
Then I've got invigilation training later this morning.
Plus we have fences being put in one side. They are strictly next doors fences but it seems we are paying for half of it,🙄 OH wanted to make sure they were done properly! So he's booked it all and sorted it out.
So busy day!
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⭐My rambling savings Diary ~⭐1 -
Raspberry bed no 3.im definitely winning!
♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
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That raspberry bed looks great! I have baby raspberry canes at the moment not sure what to do when they grow. Do they all need support?
Glad all the dentist stuff is sorted. And debt..well it seems to come and go here too. Depending on what life throws our way. You will pay it off though so it will be ok. Is it all on 0%?
Sorry DD didn't like the new college, did you manage to get her in today? At our college they offer the students resilience training and other mini courses designed to help with anxiety around college attendance or life in general...does her current one offer this? They also do homework clubs which could help her get ahead/ catch up depending on where she's at. To give her a bit more confidence ❤️MORTGAGE BALANCE January 1st £118,267.06
Savings:-
EF:-£1460.73 /3000
MOP:- £562.23/ 1200
Ski trip:- £300/1200
Driving lessons:- £300/1200
Debts 2025:-
Car- PAID 🎉
Carpet - PAID 🎉
NSD April -14/15
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debtfreewannabe321 said:That raspberry bed looks great! I have baby raspberry canes at the moment not sure what to do when they grow. Do they all need support?
Glad all the dentist stuff is sorted. And debt..well it seems to come and go here too. Depending on what life throws our way. You will pay it off though so it will be ok. Is it all on 0%?
Sorry DD didn't like the new college, did you manage to get her in today? At our college they offer the students resilience training and other mini courses designed to help with anxiety around college attendance or life in general...does her current one offer this? They also do homework clubs which could help her get ahead/ catch up depending on where she's at. To give her a bit more confidence ❤️raspberry dont have to have to be tied to supports. But 2 of our beds have a frame so the canes are held and do not flop so much. But the other bed we have doesnt and actually its fine. Whats more of an issue is the runners popping up everywhere!!No the debt isnt on 0%. I will have to take a look, never had to do that before. Im hoping OH will pay a chucnk very soon and then interest wont be so bad!!As for the other college I think it has been good to focus her mind. Its made her realise that this college is the best available and that she just needs to get on with it and refocus. She went in yesterday and we had the dentist this morning, and that was so stressful shes gone to bed and wont cope with college this afternoon. But i think shes back on track with college, well in her mind. Shes got a fair bit of catching up to do. Unfortuantly she wont except any help from college there have been various things they have offered, but she wount take up any!! ~ you can lead a horse to water!!!♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
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⭐My rambling savings Diary ~⭐1
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