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NST No!vember 2024
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It’s happy new floor day. No more carpet. Woohoo.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.9 -
beanielou said:It’s happy new floor day. No more carpet. Woohoo.
Washing hung out on the line, another load in including both pairs of trainers - one pair has been hanging around for a while and I only see them after I've set the machine off so both pairs in and wellie wearing for me for a couple of days.
Cooked bacon in the oven, baked aa couple of eggs in ramekins and halved a butternut squash to fill the shelf. Used a skerrick of oil with garlic up on the squash. Had more bacon with tinned tomatoes and hash browns and chicken nuggets for supper (neither of those were mine but they've been in the freezer a long while. Defrosted the large bag of chorizo 'trimmings' I got from the community no waste shop (some pieces are more than 1 cm thick). Boiled some eggs and forgot them so threw them and the pan outside (the eggs have been mostly used up either way. There's a cooked chicken breast in the freezer and Beloved has lots of casserole veg and carrot/ swede mix (she buys and forgets to use it). If I can get to the community shop I'll buy milk, plain yoghurt and toast bread (had the last 2 slices for breakfast.
Had a phone call from Scot Power in the afternoon. Told her I was in credit, had submitted reading and then photos of the meters and the matter is being investigated. She kept saying she understood what I was saying (more than I can say for her) but basically was trying to badger me into paying more, signing up for a DD or having pre-payment meters installed. I refused all her options but the call exhausted me (had to put my CPAP mask on before we finished) so was a bit 'down' for a while.
Mountain of washing up done, including the storage jars to be donated and 2 bits of worktop sprayed and scrubbed (have lots of 1/4 bottles of cleaning stuff and had nearly 30 scrub pads (bought to clean mum's bungalow and grandma's house and have found 3 bags of new/ part used cleaning products as I've cleared out the layers.
Stayed up too late and my eyes are still very sore so will turn off the laptop soon. Hunted down my special round the eyes cream as well as eye drops so hoping for relief soon. Grateful for plodding (lots and lots of plodding), empty bins to start refilling, books and video channels (can't concentrate enough for most of my 'series' but spent time cheering myself up watching Americans reacting to Father Ted.
Beloved and DS3 started getting messages from friends in the USA asking about our asylum policy yesterday (probably young >40 with various health/ gender/ sexuality issues. Not fun to be there now (I saw similar posts from parents with health issues and children with health issues). I remember a newspaper article years ago explaining the one of the New York Cathedrals (think it's the one that's often in films, so Catholic one) had a policy of feeding everyone who was hungry each day. The queue stretched for many blocks but everyone in the queue would be fed. The reporter said they didn't know whether to be proud or ashamed that this happened in the richest city in the richest country in the world.13 -
Yes happy new floor day @beanie!!
Enjoy your break @Betharooni
@basketcase, which markets are you off to?
I am celebrating NSD 4!!! Got up early and studied before work. Working from home is supposed to mean that more studying gets done, as there is no commuting time, but of course the tasks expand to fill the time available! I was happy to have a “slow” morning though after a fairly busy week.
Took the dog out at lunchtime. Now she has the run of a yard and is getting elderly she doesn’t get walked as much, but she was very happy to see me (or to be walked, I couldn’t tell, but her reaction made me happy anyway!)
I have said “no” to leaving the house again today, and I am getting on with some decluttering (listing some more things on v1nted) instead.
“It is no fool who parts with that which they cannot keep, to gain what they cannot lose”
(paraphrased from Philip Henry, who apparently wrote it in some form 300 years ago)
Happy weekend turtles!
Student loan £5655
House deposit €23,583K/€40k9 -
Yesterday was a surprise NSD as a friend gave me a lift to and from sewcial so no need for bus/train fare to get there and I avoided buying cake by having homemade veggie soup before I left home. :-). Club fees had also been paid in advance as cheaper that way :-). Today was a planned NSD so I am at 6 so far this month, I think, as I've sort of lost count....will need to check the other NSD thread and update my signature.
Having a relaxing evening by the fire after too much thinking at work this week :-) and then tomorrow is set aside for eBay posting of more of my stash and hopefully a nice walk with OH.
Thankful for it being Friday and kind friends x
Have a lovely evening all!Debt at LBM 2010 £40,640.17. Debt Free 2017 Debt 2023 £24k I didn't learn! NEW Goal Debt and Mortgage Free Jan 2025.
Debt Free Diaries - TizerCat learns to stay debt free
November NSD Challenge 12/16
6 months emergency fund challenge £500/£60008 -
Interview went well, I think. If I get invited to a second interview it won’t be for a couple of weeks so I am 🤞
C00p saver app set up and £14 shuffle into it to start it off for OPing.
Requested £15 from TCB to add to the c00p saver … 😊
Recipes reviewed and loose plan set for shrinking foods for next week. Shopped just for those things 😊
G00d food veggie Christmas edition gone through and foods I want to spoil myself with have been highlighted… 😉
Yoga, physio exercises and a walk done.Not a bad day 😊
KKAs at 15.04.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £236,911
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 22 books of target 52 in 2025, as @ 3rd May
Produce tracker: £41 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.10 -
@KajiKita I will keep my fingers crossed for you too xDebt at LBM 2010 £40,640.17. Debt Free 2017 Debt 2023 £24k I didn't learn! NEW Goal Debt and Mortgage Free Jan 2025.
Debt Free Diaries - TizerCat learns to stay debt free
November NSD Challenge 12/16
6 months emergency fund challenge £500/£60009 -
As at 15.04.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £236,911
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 22 books of target 52 in 2025, as @ 3rd May
Produce tracker: £41 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.7 -
Today I am grateful for Pip going to school, for a car load going to the tip, for finishing off the painting and being able to move the sideboard and dining table into place, for an enjoyable gym session.
NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!9 -
Grateful today for it being Fri-yay, for having an easy day at work, for OH making dinner, and for cosying up on the couch with OH and DS to watch a film and work our way through some of the Halloween haul.NST 🐢 & MF before 40 🤸7
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ldee2111 said:NSD 2. Go me!
Had a much better day today than yesterday.Grateful that DS is well again, I got through a lot of work things, and for getting my lazy Rs back up to the health club to a yoga class followed by a jacuzzi and steam room… why do I find it so hard to motivate myself to do the things that are good for me?!Mortgage free wannabee 2022 #828
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