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An in-between phase
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*Sagely sings* To every thing, turn turn turn, there is a season, turn turn turn
I was going to say you're welcome for the earworm @Slowdown but I've only put it in my own head haven't I
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I have now eaten all the sweets i bought for xmas gifts - only 2 boxes but still...DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest1 -
Stop with all the scoff talk, I did so well yesterday, after 3 hours in a traffic jam I was starving so stopped at the local shop and bought that fresh pasta stuff that cooks in about 5 mins, a tomato and basil sauce, a garlic bread and some wine. So much for not eating bought in processed foods (shrugs).
I did however avoid you all all sitting on my shoulder. I did not purchase anything Christmas scoff - scoff - type. I was so restrained!Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!1 -
As at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 36 books of target 52 in 2025, as @ 19th July
Produce tracker: £205 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 -
I see that as a Mediterranean meal with a portion of five a day included!
Somehow the big tub of Quality Street here is unscathed but anything like mince pies and panettone will immediately become victims of the late morning and mid afternoon 'ooh isn't it cold and dark, shall I have a little something to keep me going, oh no, where did all the mince pies and panettone go'2 -
I wouldn't dare have anything in the house until the week before Christmas.
I used to buy Jaffa cakes for my dgds because I don't like them.1 -
Despite being a bit of a natural hog, I no longer find myself having naughty little dips into Christmas goodies. Since I discovered budgeting, it would annoy me too much that I'd have to re-buy them!
F2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (29/100)
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)2 -
I must be one of a kind, if I buy food for Xmas, no matter what it is, sweets, chocolate,cakes etc, then I don’t touch it till Xmas. Tho once Xmas is here, that’s a different matter all together. Food fest begins.xx:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.002
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Well you'll all enjoy this tale from today- an olioer near me listed a packet of 'Kipling Christmas cakes' so off I trotted. Only to find when reading the description on returning, that they're fruit cake with almond topping and icing. Me and mum don't like almond and Mr PIP doesn't like fruit cake 😂1
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