📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Living frugally in 2025......

Options
11112141617

Comments

  • MeandO
    MeandO Posts: 3,236 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Glad to hear you're feeling a bit better, there are so many nasty lurgies going round that seem to be hitting otherwise healthy people so hard. Keep looking after yourself. xx

    I know what you mean about too much too soon on the debt repayment/saving front. I'm guilty of this too and then spend the rest of the month feeling very poor and fed up. It's hard to find a happy medium and the long month of January doesn't help. The second job sounds like a good idea as long as you don't wear yourself out. What about selling on vinted/ebay, is there anything you could declutter to make a few £'s? x
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • jwil
    jwil Posts: 21,988 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like a good plan with the cards and giving yourself some slack.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • @MeandO I really need to find a balance and some kind of happy medium.  I have been really fed up this past couple of weeks, probably due to feeling poorly as well.  I know I can't do the next few months like this, I need a bit more wiggle room.  To be honest my wardrobe is pretty sparse.  Everything I buy is from charity shops, I can't think of anything I've bought new in the last few months and don't have anything to sell unfortunately. 

    @jwil definitely feel better now I've tweaked the budget for February!
  • YORKSHIRELASS
    YORKSHIRELASS Posts: 6,469 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi all

    It's easy to try and push yourself too hard, especially in January, I think we all do it.  Finding a bit of balance is good.  It sounds like you are doing really well.

    I have been flat out at work so haven't thought about spending which is good.  DH did the shopping today and used a £10 Lidl voucher he had which was a bonus.  Breakfast and lunch made for tomorrow, I am in the office.

    Halfway through the month tomorrow, that's a nice thought, although I shouldn't be wishing my life away! 
  • Oh I'm definitely wishing January away @YORKSHIRELASS I will be glad when this month is over!!  
    And I'm so ready for pay day, 8 days to go.......
    Although to be fair I've really got into the groove of not spending any money and avoiding the supermarkets and shops.  It's not been as hard as I first thought, but I definitely need to do something to replace this.  I'm still feeling chesty and have a cough, so not been out walking as much as I had hoped and have just been hunkering down at home.  Hoping that I will have a bit more energy to get out this weekend for a good walk.

    Nothing else exciting to report......x
  • jwil
    jwil Posts: 21,988 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You've made a great start :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Sun_Addict
    Sun_Addict Posts: 24,071 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I suppose the silver lining to feeling unwell is the lack of spending. I think this month is going by quite fast but I might be the only one who thinks this 😆
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • LzzyIsGod
    LzzyIsGod Posts: 405 Forumite
    100 Posts Photogenic Name Dropper
    @Sun_Addict I think you may be on your own there 😂

    @Justcrackingonwithit it's almost like being unwell has broken the cycle of spending, well done for not resorting to online spending instead!
    Nov/Dec 24  £39 564

    July 25  £34 531
  • jackieblack
    jackieblack Posts: 10,501 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Someone sent me this recently, it sums up how every January feels… longest month ever 😖

    2.22kWp Solar PV system installed Oct 2010, Fronius IG20 Inverter, south facing (-5 deg), 30 degree pitch, no shading
    Everything will be alright in the end so, if it’s not yet alright, it means it’s not yet the end
    MFW #4 OPs: 2018 £866.89, 2019 £1322.33, 2020 £1337.07
    2021 £1250.00, 2022 £1500.00, 2023 £1500, 2024 £1350
    2025 target = £1200, YTD £9190
    Quidquid Latine dictum sit altum videtur
  • Sarahwithlove
    Sarahwithlove Posts: 3,344 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Someone sent me this recently, it sums up how every January feels… longest month ever 😖

    This is so true! I have to wait until 31st for payday it feels so far away! 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.