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My Intentional Journey to Debt Freedom
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I am sensing the distinct whiff of a budgeting convert, @LTMA!
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.5kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)2 -
I am a real fan of nivea these days.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.2 -
Beanie I've got a bottle of N1vea on the go at the moment as a body moisturiser - that smell is completely evocative of childhood as my Nan used to use it!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
I like their eye make-up remover as I do like a good smoky eye. Takes everything off with no scrubbing
F2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.5kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)1 -
Evening everyone
@EssexHebridean. The smell of N1vea is very evocative for me as well as it was a favourite of my late mother.@foxgloves. I am a convert definitely but I don’t think it’s instinctive yet, more part of my intentional actions. I do think though, that it will become natural and the mental shift is the first part of that.I like a Smokey eye as well - unfortunately I’m not very adept and if I attempted it I would look like I’d been on the boxing ring!!! So I stick to lips and don’t attempt eyes🤣.Thanks for the recommendation @beanielou. It sounds sad but I have started making a list in my little notebook. I know one of my SIL uses Nivea so I may see if I can pinch a bit to try.I did succumb to a drive-thru coffee on my long drive home today. On the plus side, it came out of personal spends (I have been very parsimonious with spending my personal money this month). I was really tired and had already drunk the coffee I had made at the office. All my other coffee was decaf so I had a strong caffeinated coffee and it did the trick.L x4 -
I use their facial wash, their moisturiser.I will admit that I use templespa repose at night when I remember & their neck cream also as & when I remember.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.2 -
Just a quick hello this evening. Very tired after a busy week. Really looking forward to our budget review this weekend. I will post the outcomes from month one over the weekend.Hope everyone is well
L x3 -
Joining you on the busy week front here, have a good weekend! I quite like the end of the month review and seeing how much money we've saved or paid off etc. Hope it goes well!1
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Thank you @FacelessNumber. I am really looking forward to it. There are some negatives within the month as well but I want to get it all documented so we can measure progress.I have let Mr L know his presence is required 🤣.L x3
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Really looking forward to hearing how your end of month review goes! 😊1
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