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From Frugal Foundations to Fortified Family Future

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  • I truly thought how Wales played was outstanding compared to recent performances. I’m always going to cheer for the green but part of me was sorry that Wales lost given the quality of play. 
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • rtandon27
    rtandon27 Posts: 5,696 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Once upon a time we would eat out once or twice a month courtesy of MrT points.  This practice has gone the way of the dodo.  We no longer shop there as the veg is never up to the value or quality of what we can get elsewhere and the store atmosphere in our town is horrid and more than either of us can handle. 

    Our only MrT points come from putting regular purchases on the credit card, but even that has diminished as groceries now go on the MrS card for the nectar points.  MrT points are now barely enough to eat out once a year, and MrS points are only spent on groceries. 

    I think these things while lamentable come and go in waves.  I now find our most lucrative points card to be B00ts, from which I get quite a few meal deal lunches a year, comes in handy on days when taking lunch from home is not an option.
    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!
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 24 February at 12:20PM
    I’m almost glad that it wasn’t just me who was scuppered by the weather forecast on Friday Greying - I got a wash on, then spent all day thinking “no sense in putting it out - it’s forecast to rain in an hour…while of course it actually didn’t rain until mid afternoon and frankly I probably could have got the load mostly dry! 
    🎉 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
  • rtandon27
    rtandon27 Posts: 5,696 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    @Greying_Pilgrim & @EssexHebridean - you are both more daring in the game of laundry roulette than I am! - I've not even ventured out as far as the summer house to hang laundry even though it was well over 10 degrees on the weekend.  I just didn't ant to get rained on from the back door to the dry outbuilding!  OH is getting mighty tired of us having to play at winter laundry line juggling every time he needs to use the kitchen as our laundry hangs up to dry just between the kitchen and the back door in a very awkward zone.  I'm looking forward to the electric bill dropping again once we stop using the laundry setting on the dehumidifier.  Bring on spring!  
    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!
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