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Freedom and Independence.
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Another beautiful day! Went for a lovely ride and did a few chores and washing. Now chilling cooking some sort of roast, a proper one tomorrow. And lots more chores. Feeling very content, hopefully this vibe will continue! Need to get fuel and xmas tree tomorrow or very soon! Otherwise all good. Need a bit of xmas shopping motivation and organising but maybe next weekend for that.
Emergency Fund: 1000/2000August Grocery Challenge: 208/550
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/p11 -
Dog walked, floors cleaned, washing done, xmas tree gotton, fuel gotton! Chicken roasting, cauli cheese and stuffing done yesterday with some pork, leftovers alpenty, then will be prepped for the week food wise. Very excited to now just shower and skincare lovely ness then chill in pjs with candles lit. Lovely Sunday.Emergency Fund: 1000/2000August Grocery Challenge: 208/550
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/p11 -
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.Debt Free - 4th June 20250 -
BudgetingBelinda said:Dog walked, floors cleaned, washing done, xmas tree gotton, fuel gotton! Chicken roasting, cauli cheese and stuffing done yesterday with some pork, leftovers alpenty, then will be prepped for the week food wise. Very excited to now just shower and skincare lovely ness then chill in pjs with candles lit. Lovely Sunday.Debt Free - 4th June 20251
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_Dolly_Rocker_ said: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: 208/550
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/p11 -
Very happy with that!Debt Free - 4th June 20251
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Sounds like a lovely weekend, long may they continue for you 😊
I also have that brand of boots- they're my absolute favourite pair as they're so comfy!MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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A very thoughtful and reflective day today. The anniversary of loss that changed my life forever. I think about it often of course. This year it does feel a little different and I think now I don’t have DMP, toxic hang ons etc.. I feel more back to where I should have been and where perhaps without that loss I would have been- a little more anyway. Who can say. But it’s a big anniversary and I am just going to decorate the tree with DS1 (DS2 not wanting to) then head to bed and just have a quiet reflection on where I am… and the huge struggles I’ve overcome to be here and hard hard work put in. Sometimes when I sort of have to contextualise some of the history for people who don’t know they are dumbstruck and I feel a disconnect from it, like a previous episode/xmas special of a soap opera. But it’s all a fundamental part of where I am now.
A big part of feeling ok about it is loading all the positives and self care and lessons learnt. And my boundaries are so strong and I feel the strongest I have for a very long time.💪🏼❤️Emergency Fund: 1000/2000August Grocery Challenge: 208/550
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 -
Sending love and hugs.Debt Free - 4th June 20251
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You sound like you’ve come a long way not only financially but mentally to.LTotal 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 #1241
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