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And now we go again...

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  • LadyWithAPlan
    LadyWithAPlan Posts: 3,743 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Loved those bagels after a big night out when I was ignoring my gf issue 

    that guardian freezer article was helpful 
    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#latest
  • lucielle
    lucielle Posts: 11,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Shame the reds weren’t flying but great you got to meet your friends. 
    Just done the last of the money shuffle as well. Roll on payday!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Sun_Addict
    Sun_Addict Posts: 23,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm glad you still enjoyed your trip away despite not being able to see the Reds.

    You're doing amazingly well paying so much off the mortgage in a short space of time.

    I love the Lil's 15% off and always stock up on the things I use regularly. It's always worth keeping an eye on their flavour of the week shelves as they often drastically reduce products from previous weeks. Yesterday I got 2 bottles of stir fry oil for 59p each. They don't advertise this. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • rtandon27
    rtandon27 Posts: 5,617 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Definitely keep and eye on Mr L's previous week's bargain shelves.  We discovered a lovely Turkish? ground coffee with cardamom over xmas and found it again yesterday at half the price, so picked up another bag. 

    Also several types of gochujang in this week's specials that are not selling at all in our little shop, I do think it might be a touch too exotic for the middle of nowhereville so I'm hoping to score some reduced next week. 

    Strangely though the dimsum frozen offerings were almost sold out - OH & I were joking that the Chinese restaurant across the street must have cleared them out as last time they had this offering it did not sell & we scored some reduced the following week.  I could have sworn that the gent who owns said restaurant entered the store as we left!
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • Makingabobor2
    Makingabobor2 Posts: 4,190 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Wow, I will have to get DH to check ours. The doors certainly let in the draught. 
    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  £450/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £72.46

    Decluttering items 750

    Books read    12
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    RT I did have a quick look at the frozen fortnightly special offerings section but ours was pretty much entirely cleared out which was a surprise!  I want to do some thinking about ways to pep up our meals a bit with some different choices, and that seems like a good place to start! 

    MaB I was honestly astonished how much difference it made - MrEH said you could feel the added resistance in the handle on closing, too. 

    Currently stuck on Wordle although I've partly scuppered myself through doing something silly at attempts 2 & 3. 

    MSE Stuff:
    - Banks checked and all OK, as expected.
    - Had to take £115 out of the car account this morning to cover the excess for MrEH's car's windscreen replacement which is booked for next week. That excess level seems to have escalated a lot in recent years.
    - Agile is NOT looking good this month - so far we have been over at least by a few pennies on each of the first three days. Overall though we are still up, so we will keep the faith right now. 
    -  On the flip side, since the new SVR rate kicked in on the gas in January we are now making a substantial saving by being on our fix there, which is helping offset the Agile situation rather!
    - A bit of CC money shuffling while passengering on the commute this morning - I'm just waiting for £33 from MrEH now and I think we are all squared off there. 
    - There will be an expenses reclaim for us to make after a meeting in a couple of weeks - we have train travel booked too and from, and an overnight stay but the overnight will be at our cost and is already factored in. The meeting is being held at a meeting room in the venue for CAMRA's national winter beer festival so we'll get entry to the festival as a bonus, but cost of beer will be from personal spends, obviously. 
    - when those travel expenses are paid back to us they need to be replaced in the account I borrowed the money from originally...might have been the holiday account but I need to double check. 
    - Undecided where to shop this week but to be honest it might be back to Lil's as nobody else seems to be inventivising me massively to head there. At least there I will get something back as I hit the spend thresholds. 
    - If I DO opt for Lil's, then I should make the effort to get there early to check for £1.50 boxes.
    - Meals are planned in for tonight and tomorrow - but MrEH is out on Friday evening (A rugby match - I COULD go and take photos, and to be honest I still might...in fairness a lot is going to depend on the weather and temperature though) so I need to decide what I'm eating then - if I don't go to the club though it might be a cheeky takeaway to be honest. 
    - I remembered to check the end date for the TV deal - I need to make a diary note to give them a call as it finishes this month, and I'm not willing to pay the amount they will want past that point. Note below on this for my own reminder purposes!
    - I need a new freezer review and list ideally, that might be a job for Friday (I have a hunch I already said that). 



    A quick browse on the relevant TV provider's website suggests that they will give new customers a decent package on their "stream" setup for £22 (2 year contract) which also includes the Flix on the Net people's standard offering - something we had talked about trying out instead, in fact. The compromise there would be that it would only be on a single TV, but that's not too  much of an issue as we tend to use the front room TV more for streaming anyway. Need to discuss with MrEH - the other alternative is that we switch to just using streaming for a bit and see how that works for us, either with or without the addition of the Flix of the Net people or similar...that was our original plan. 
    🎉 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
  • redofromstart
    redofromstart Posts: 5,816 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Are they called trickle vents or something?  I wish mine had them but our UPVC is ancient and does not.  The drafts here are the dodgy seals, and I picked up some cheap weather strip at the weekend and have done some temporary fixes which has helped with the more obvious drafts.

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