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Living Large, on a Small Income, by the Sea.
Comments
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I always make an effort to tidy the living room and the kitchen before I go to bed. I put away the pots from the dishwasher, fold the throws and plump the cushions in the living room, remove cups, glasses, etc. Then at least both rooms are tidy ready for the next morning. It only takes a few minutes but makes such a big difference.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Sorry to hear you are under pressure from family members again dia. Can you not just tell them the money has gone and you have spent it all so there is none spare!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/p14 -
Yes, @spendless the added bonus is the kitchen stays clean ready for 'putting it to bed' as I am not cooking a big meal in the evening

Thanks @Skint_yet_Again The money aspect has resolved itself. I'm getting a lot better when it comes to money. I genuinely don't have spare and need to stop sabotaging myself by putting others monetary pressures before my own. It was you (I think) who previously said 'just tell them to take responsibility for their own money' or words to that affect. You were right. The pressure is to do with me supporting in other ways. I can't say too much on here...
A very busy day!
Concentrated on the kitchen today...
decluttered a nutri bullet and lots of accessories to CS
threw out Tupperware lids and chipped glass dish bowl
washed and put away dishes X4
sorted kitchen drawers and cupboards
hot water bottle thrown away as been using it years
Cooked roasted veggies and chickpea burgers
Organised the airing cupboard
Several messages and time wasting trying to get mobile phone issues with provider sorted. Sooo frustrating. Giff Gaff just don't seem to be able to give a coordinated response and you cannot talk to them. Arrgh...
Going back to kitchen as there are dishes again and need it to be spotless before night falls...
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Sorry family issues have reared their head again. Hope it's resolved.
Your NT live trips sound great."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 McGee1 -
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
Hark at you Ms two nights out in a row 😁
Hope you had a great time.
Lovely productivity and getting unnecessary things out 🥂 Hope Giff Gaff sort their lives out soon.
No, family members can't come and 'stay' with you, you need to keep your small space ready for potential students and income projects, do they want dear aunty etc DIA coming and living with them forever and ever because the bills couldn't be paid, no I thought not. No, DIA also cannot afford the financial and health time to be one of the main (quickly sole) carers for anyone, see above
I am seeing Minted on the to-do list in capital letters, what stage have you got to?
Sorry, I'm in a very bossy mood, I spent the last hour composing a reply to flippin builders and its taking some time to wear off 😂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 59
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r67 -
I love bossy PIP! I think everyone needs a bossy PIP in their lives. Maybe that could be a side hustle for you? I'd pay!
A tidy kitchen is something I can only dream of DIA.Debts 04/01/25 01/10/25
Natwest2 £6,509.97 £5,830
NatWest CC £7,612.74 £6,830
Lloyds CC £6,112.60 £4,940
1st Direct CC £176.03 £0
CC total £20,411.34 £17,600
TSB OD £500 £0
1st Direct OD £600 £250
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,710
Total £36,195.78 £30,3103 -
My parents often had a light breakfast for dinner meal at night. Or had a bowl of oatmeal and fruit in the evening instead of a larger meal. I sometimes do that too - on the nights my roommate doesn't want to cook (he likes to cook about 4 meals a week, not going to discourage him).3
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You are funny @PennysIntoPounds but you have the wrong end of the stick re family situation!
Yes, writing Minted in capitals helped not at all
The 2 nights in a row of NT Live have been so lovely
Haha @rachmac3 I too would pay for a bossy @PennysIntoPounds on my case. She would make an amazing coach wouldn't she?
Thanks @weenancyinAmerica Nice of you to drop in! I feel so much better when I stop eating before dark during the shorter days. I will be like your parents in years to come. It suits me...
Decluttered:
a cast iron pot
flask
coasters
Cleared lobby area
dishes X3
Put kitchen to bed already
Went to a hardware shop for various items. Helpful guy there who needs the measurements so I will do that and go back. Question to those who have a night light in the garden, do you have a sensor light that turns off in the morning but stays on all night? I think that is preferable to a sensor light that might get triggered by the wind, cats etc...what is best for safety?
Lovely stock made... then a lentil and veggie soup...had tons of it already...tasty and good for me
Out tonight again, to meet a friend for just one drink...
Lots happening in the background but I am handling it well...I think...
Hope your week ended wellIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
😂 At your service anytimerachmac3 said:I love bossy PIP! I think everyone needs a bossy PIP in their lives. Maybe that could be a side hustle for you? I'd pay!
doingitanyway said:
Well whatever it is you can tell them your bossy coach says you can't do it, and they are welcome to a taster session of my coaching in which I tell them they are full grown adults and to sort their own messes out without haranguing people who have done quite enough to support them! I will even throw in a harrumph for free 😂You are funny @PennysIntoPounds but you have the wrong end of the stick re family situation!
Yes, writing Minted in capitals helped not at all
Haha @rachmac3 I too would pay for a bossy @PennysIntoPounds on my case. She would make an amazing coach wouldn't she?
Have you actually created a Minted account yet?
Don't be intimidated, it really is super easy once you're up and running
Well done on another day of excellentness, enjoy your drink with your friend 🥂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 59
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r66
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