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Now for a healthier, wealthier me

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  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic

    A lot of things, 2 holidays, weekend shopping for Black Friday, Christmas, car service and my car insurance sinking fund for the 2025 renewal.
    Sounds good 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • Good morning guys, I hope you're OK? I personally'd had enough of this week by 8pm last night but I'm out with the girls tonight so I hope that will brighten my mood somewhat. 

    I am less stressed this week though, things seem to be settling down so that's good. All I can do is keep smiling and crack on with it. 

    Finance wise, things are looking good. Not spent anything so far this week and driving tonight so won't be too spendy... Should have some budget left on Friday to add to the sealed pot or the sinking funds. 

    My PAD this morning was £5 to the sabbatical and £15 to the travel binder. Tomorrow will see dice rolls to the sealed pot as it's Wednesday... I'm also working from the actual-real-life-office tomorrow, so will need to buy some lunch but again it won't be too spendy. Will be nice to see colleagues faces :)

    That's all from me today, I hope you're all having a good start to the week.
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Mooooorning! :)

    My plans cancelled last night so yesterday was an unexpected NSD, I'm also not going to the office today so it'll be another one today.  Defo need to get out for fresh air at lunchtime if I can though.

    I have added £5 to the sabbatical as usual this morning, and £81 to the sealed pot courtesy of some mean dice rolls. Just one more set of dice rolls to do before we open the sealed pot next week... anything could happen! Well, any amount up to £146 if I roll all the top values, with is unlikely to be honest. 

    That's pretty much it from me this week. It's a boring one isn't it? I'm not spending any money though, which is good...

    A task for today is to make a start on Christmas cards and present lists, I have 6 weeks to get it all done and wrapped as I don't do any of that in December, I like to free up December for friends, family and festivities :)

    Take care
    LMD x


    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    i love how organised you are xx
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • i love how organised you are xx
    Honestly, i just got sick and tired of spending December chasing my tail and either turning down events and get togethers or spending time AT events and get togethers clock watching because i had so much to do.

    For the last 3 years now I’ve had a stress free December, the only thing I worry about now is the grocery shop. 
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • I had my day off yesterday which was nice, and we went over to Doncaster to do a bit of shopping and have some lunch. A change of scene was nice, although I wore shoes to match my outfit and not to match walking around the city and therefore I have some pretty painful blisters today...

    It was quite a spendy day yesterday but today will be a NSD as we have no plans this evening. 

    In terms of PADding, I made my PAD but forgot to post yesterday *insert face-palm emoji*. However today I have declared... as well as the £5 to the sabbatical as usual, I've sent £52 to savings/sinking funds. 

    This time next week the sealed pot will be 'open'...I'm still working on my Christmas present and card lists and I have also been given the task of organising my stepdaughters birthday next year so I need to start thinking about a venue for that.

    Also, work is manic - speaking of which, I'd better crack on. 
    Have a wonderful weekend everyone!
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Happy Monday guys, it's an exciting week this week as the sealed pot is opened on Thursday and then it's pay day on Friday - wooohoooo

    The weekend was very spendy, I had 2 events to go to so I knew it would be an expensive weekend. Never mind... Every now and then doesn't hurt does it? And there has been plenty of cancelled plans and very low spend nights out since we got back from holiday. 

    Today will be a NSD, I'm working long hours and I need to get some life admin done this evening. Work has been more than a little crazy lately so that's not helped with the stress levels.  My PAD this morning was just the £5 to the sabbatical as usual. 

    And that's it, you're all caught up :) 
    Hope you all had a lovely weekend 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • FootyFanDan
    FootyFanDan Posts: 1,692 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    ooo exciting week ahead for you LMD  :)
  • Sun_Addict
    Sun_Addict Posts: 24,102 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Much better to enjoy good times making memories than sit at home not spending. You’ve paid off your debts now it’s time to enjoy yourself. You save more than most so you deserve some fun. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Thanks both :)  Yes @Sun_Addict you're right, I should embrace the events and memory making whilst I still can.  I was at a baby shower at the weekend and it was so much fun :D  

    I ended up having a really good day yesterday, but stayed up too late and now I'm paying the price. I feel like I could crawl back to bed...it's even worse when you're the only one up and awake - even the dog is snoring!

    So, on to the finances. It won't be a NSD for me today as I am out to meet a friend for dinner this evening, nothing fancy but it will be nice to catch up as we haven't seen each other for ages. My PAD was the usual £5 to the sabbatical fund, which is still growing steadily in the background without me even thinking about it, it's currently at £1867 and should reach £2k by the end of November. If you'd have said 3 years ago that I could save £2k without noticing I would have laughed my head off!  How things have changed :)

    Right, I'm off to work. Hope you have fabulous Tuesday's! 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
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