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Pulling my frugal pants on.

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  • beanielou
    beanielou Posts: 95,471 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Keep plodding. x 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 7,565 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Yeah I’m fine KK, just having a bit of a bad week MH wise.
    love 🐞
    That sounds a bit contradictory… 😉😊
    Sending hugs, gentle ones. 
    Would seeing a GP help?

    KK
    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 39 books of target 52 in 2025, as @ 27th July
    Produce tracker: £227 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. 
  • Cherryfudge
    Cherryfudge Posts: 13,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hi Ladybird, I'm sorry to hear you're having a bad week. When you think how much you've coped with recently (and long term) it's hardly surprising. Sort of spiritually running on air, if that makes sense. How can you nourish yourself, body and soul, to try to build yourself up?
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Cherryfudge
    Cherryfudge Posts: 13,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    The course sounds really exciting! Well done for getting back to it. I've just discovered I'd not finished a short course I was doing through FutureLearn and I have a couple of weeks to complete it so I'm back in there. I really enjoy studying but do find it hard to get past the 'looking at the mountain I have to climb' stage.

    I found the decisions on inherited furniture were hard, but realistically couldn't keep all the things I wanted. I'm happy with what I have, and also went through a strange stage of taking things home and finding that they belonged in the past and just weren't right for my home, though I'd felt I had to hold on to them. Grieving has to work through some complex things, and time pressure is an added factor, but you'll get through. It's so good you have something to look forward to for yourself.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Much sympathy from me, but it sounds like you have made some really positive decisions for the future.

    (It's pension B that I am moaning about btw) 

    congrats on mortgage free
  • beanielou
    beanielou Posts: 95,471 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on potential course & opportunities. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Thanks cherryfudge. The furniture is something that originally was in my parent’s house and my dad had it when they divorced. However I found out mum actually hated the bloomin thing, so I was ok with letting it go. Plus it’s big and bulky and we really don’t have the space. 
    Redofromstart I’ve been reading your diary and can sympathise with the wading through all the paperwork, dealing with jobworths at the end of the phone, trying to find homes for treasured but unwanted possessions, declutterring a lifetime of stuff on top of dealing with grief (in its many forms) plus you having to support others. 
    Love 🐞

    Grow your own: £14.66
  • KajiKita
    KajiKita Posts: 7,565 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You sound so much brighter and your excitement about the course is zinging off the page at me - lovely 🤩😊🎉🥳

    There will be down days but it sounds like you are pulling back some balance, where you get chance to take care of you a bit more - this is a good thing 😊

    KK
    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 39 books of target 52 in 2025, as @ 27th July
    Produce tracker: £227 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. 
  • Thanks kk
    Started the painting, got way too much on myself, in fact I could have auditioned for wicked🧙‍♀️Just having a moment before I get ready to go out with friends who I’ve not seen since last year. The eldest is coming too, they are catching the train home to go to the quiz with us and then catching the train back to uni town in the morning. She is making a special trip as I always refuse to go to the quiz ( I hate it as I find them boring), but decided to yes to more things. She’s striking while the iron is hot🤣.
    love 🐞

    Grow your own: £14.66
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