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Freedom and Independence.
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Sarahwithlove said:Good for you just keep taking steps to get you back.
It's hard making the decision to cut back at work but you have to do what's best for you and if that means cutting back then do sox
Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p10 -
Almost forgot.. other good news, got an alert to say my Equifax credit score has gone up 107 points. I’ll take that. And the boots I ordered arrived, they are gorgeous, comfy and they fit my giant wide feet in. Single Cinderella?!
.. I don’t want to jinx things 🤞🏼🤞🏼but I’m feeling quite happy with today!Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p13 -
My working week is done. And by some miracle I’ve finished my weekly to do list. The rest can happily roll over.
Tomorrow I’m going to hang out with a horse and see if we get on! If so I’ll have a ride out on Sat.
I have a weeks late lot of house chores to do as I was a bit too ill to do all the usuals last week.I have already noticed a lift in my appearance and wellbeing with the treats I ordered when
ill. I’m pretty much ready for bed 😆 not quite 8pm 😬… so am going to take my tired self for a lay down in anticipation for an early night. Not sure DS’s will agree to the bedtime being early?!.. tho they are super tired. And it takes them ages to get actually in bed… then come the questions and deep reflections about life! Just to prolong bedtime and they know I can’t resist a chat about those interesting things!Sometimes I feel like bedtimes with kids is a bit like when you go swimming all day/are at the beach and are so
shattered ready for home, or if you’ve even out in the sea in a wetsuit/centerparcsss tropical paradise vibes etc… then you realise quickly, you all have absolutely nothing in the tank for the changing rooms/rest of the necessities. And it’s bleak!****Always must attempt bedtime routines before running on empty!**** A decade plus later and I’m still trying. 💪🏼💯❤️Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p13 -
Oooo what boots did you go for? I'm struggling to find some this year 😩*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Sarahwithlove said:Oooo what boots did you go for? I'm struggling to find some this year 😩Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p10 -
Such a good day! Went for a horse ride on a friends horse I’m riding for them a couple of times a week, if things go well. Pretty achey now.. It’s been a while! So fun though and another step back to where I was pre toxic times. An absolute winner of a day. Loads of chores to do. Shopping coming and dinner prepped but actually might be too tired to eat it!Also need to diet and exercise now as I’m too wobbly and stiff for riding, a great motivational tool.Can’t wait to ride again tomorrow and have a lovely weekend 🥳🎉💯Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p13 -
Sounds fab! I've asked for a horse every year for Christmas since I was about 5 - I'm 41 now and still ask my mum LOLDebt Free - 4th June 20253
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_Dolly_Rocker_ said:Sounds fab! I've asked for a horse every year for Christmas since I was about 5 - I'm 41 now and still ask my mum LOLEmergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p13 -
I have done horse riding since I was a kid!
I ordered some heavenly feet boots from simply be with their black friday discount code. Excited for them to turn up! Ordered two different wide fit sizes and will send back whichever doesn't work.*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Sarahwithlove said:I have done horse riding since I was a kid!
I ordered some heavenly feet boots from simply be with their black friday discount code. Excited for them to turn up! Ordered two different wide fit sizes and will send back whichever doesn't work.Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p10
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