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No more debt, now what? Searching for happiness.
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Well done on the NSD. Hope work is not as bad as you think. How was your veg box?
With the clothes I would keep what you love & will wear and maybe just choose one or two at a time to sell / get rid of. If you will definitely not wear them then bag / box them up out of sight and see if you could live without them. I find this helps me not overload my brain with parting with too much at once and if I can get used to not seeing them it is easier to donate/ sell them.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
I have spent £5 on necessary food today. I didn't buy any coffee. I went to the ice cream shop as I really fancied a sorbet but the queue was way too long. A successful day.0 bonus saver
35 NS&I
290 credit union
Credit card 1 2218
Credit card 2 499
Overdraft 2100 -
The veg box was nice. I have butternut squash for baking and eating with rice, might make a risotto with it, leek for leek and feta risotto, aubergine for babaganoush and some baby new pots for potato salad or something. I try to follow a heart healthy diet as I used to smoke, but it's not easy!0 bonus saver
35 NS&I
290 credit union
Credit card 1 2218
Credit card 2 499
Overdraft 2100 -
Bought one coffee at work yesterday, £2.65 so not too bad. I've had caffeine this morning and don't need any food so might manage a no spend day today. I'm going swimming tomorrow but I can book that tomorrow.
My regular saver is mounting up nicely. It's my dream to use it to fund the purchase of a one bedroom flat but I expect it'll get spent on tooth implants, washing machines and repairs to my current flat. The exciting thing about life is that you never know what's round the corner.
0 bonus saver
35 NS&I
290 credit union
Credit card 1 2218
Credit card 2 499
Overdraft 2100 -
Its such a great feeling to be out of debt. For shopping, I find that when I see something I want but don't genuinely need, I will put it down and walk away and tell myself I will come back and get it before I go home. 90% of the time I actually don't go back!
Coffee -have you worked out how much you spend on it in a year? What else could you buy with that money? I would try only to buy coffee when out with a friend, if you are out alone take a flask. Even at an average of £2 a day on coffee that's over £700 a year you could buy something you want with or pay your heating bill0 -
I spend around £1.5k a year on coffee by my maths. I cannot afford that.
0 bonus saver
35 NS&I
290 credit union
Credit card 1 2218
Credit card 2 499
Overdraft 2100 -
I didn't get on the Santander MBA Essentials course. That's ok! I gave it my best shot.
Just popped to Asd@. Spent £18.51. I saw a friend of mine who I'd lost touch with coming out of the shop. We're going to get dinner. He's worth every penny I'll spend. I also booked a haircut and a brow tint. A brow tint is only £25 although written down it looks like more than I thought.
Not keen on this weather. Definitely the dog days of summer.
I got coffee from the expensive cafe near me. It was £3.60. I got decaf. I know that's clutching at straws.
Just watching a couple of films on Netflix.0 bonus saver
35 NS&I
290 credit union
Credit card 1 2218
Credit card 2 499
Overdraft 2100 -
Back to work today. Just drinking a decaf coffee (free) and watching Channel 4 on TV (also free).
I have a pending balance of £17.50 in my V/nted. I've sold about 5 things. I don't think I'd ever worn any of them. That will certainly help plus it's freed up space on my wardrobe rail. I can't decide whether to leave it to shop on Vinted with, and say I can only spend what I earn, or withdraw it and spend it on life.0 bonus saver
35 NS&I
290 credit union
Credit card 1 2218
Credit card 2 499
Overdraft 2100 -
Just chilling before work listening to whale sounds (free). It's my new favourite relaxation technique.
Work was a bit grim yesterday really. One more day to the weekend. I'm not doing much. I don't know whether to go to my knitting group. It's still fairly hot and I don't really feel like it but I do want to start my next project.
I had baked butternut squash, buttered rice and steamed courgettes for dinner last night. I wasn't looking forward to it but it was actually so delicious. The courgettes were yellow ones. Same again tonight. I think a little bit of butter on rice does elevate it at least if it's brown rice. White rice doesn't need butter in my opinion.
0 bonus saver
35 NS&I
290 credit union
Credit card 1 2218
Credit card 2 499
Overdraft 2100 -
At the weekend. So grateful I don't work weekends any more. Just finishing a film (Chef) on Netflix. I have to get a birthday present for my friend and send it later, plus print a knitting pattern at the library. Mustn't buy anything else in town as we're at that time of the month.
I went to Asd@ last night. I only spent £5 and £2.50 of that was on a gift card. So a cheap trip. I got gherkins for potato salad, houmous for lunches and some decaf coffee.
I've lost 2lb more. Very surprised at that as I haven't been especially dieting and I had a cake at lunch yesterday.0 bonus saver
35 NS&I
290 credit union
Credit card 1 2218
Credit card 2 499
Overdraft 2100
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