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Living frugally in 2025......
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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? xMortgage @ 03/2019: £125,000, Now: £51,706.16
Mortgage OP’s: £20,691.73
Remaining 10% OP allowance 2025: £1327.551 -
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 McGee0
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@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!2 -
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!3 -
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......x2 -
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 McGee0
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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)2
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@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 5311 -
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 shadingEverything will be alright in the end so, if it’s not yet alright, it means it’s not yet the endMFW #4 OPs: 2018 £866.89, 2019 £1322.33, 2020 £1337.07
2021 £1250.00, 2022 £1500.00, 2023 £1500, 2024 £13502025 target = £1200, YTD £9190
Quidquid Latine dictum sit altum videtur4 -
jackieblack said:Someone sent me this recently, it sums up how every January feels… longest month ever 😖*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/3
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