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Living Large, on a Small Income, by the Sea.
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Thanks @PennysIntoPounds this last loan was a mini one. I expect I will get it back tomorrow. The one before that was to a younger relative. I can now be clear they won't be able to be helped again as they failed to pay it back the last time. Funnily enough I sent a text outlining my current financial position to the relative of the small loan to explain in future I will be saying no, and why I would be saying no. I can't say it went down well, but hey ho...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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
I hope they pay you back tomorrow. You are so kind and trusting. I can’t believe they have the cheek to be unhappy about the situation! They should be ashamed of themselves and grovelling with gratitude !Sorry mini rant0% 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/p16 -
I can’t believe the attitude of the relative you lent the money too! What a cheek 😡
That sounds promising about the teachers staying. I hope it works out well.I get knocked down but I get up again (Chumbawamba, Tubthumping)5 -
Thanks @Skint_yet_Again @Sun_Addict they do have a cheek, but I need to put boundaries in place. I'm getting better, but was caught off-guard this time!
I have been AF and caffeine free most of this month. I had a coffee this afternoon at about 2pm and I am absolutely wide-awake! It does make a difference after all...
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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Money news
Good news. Relative did pay me back today. It was only a small amount but I'm pleased for it.
I had an ISA statement and although there was nothing in the account to speak of the interest for the whole year came in!
The pp that I had been chasing since forever paid up too.
I immediately payed all monies unexpected to my cc before I got any ideas about spending it...
So, I will be able to pay off my cc in full again this month and it won't be as tight during the month ahead.
My debt that was recorded as £1,119 is now £498 I am very pleased with that
I did a wash that is out airing
I signed paperwork and was welcomed to hosting. I spoke to someone in my area who has been doing it for a few years and she seems happy enough
A friend is popping by late afternoon
Slowly cleaning the little room ready for the bed to be delivered
Slowly cleaning my bedroom
Feeling a bit slow generally, but that is ok
Hope your day is going well readerIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
Hurrah for all the money in, and how very sensible of you to use it before you got tempted.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo4 -
Thank goodness one of your relatives is reliable in paying back money borrowed! Great news on getting other money back and bringing down that credit card. The amount you have paid off is amazing. Have a lovely relaxing bank holiday weekend. Nothing wrong with being a little slow… take it easy x0% 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 -
Thanks @redofromstart and @Skint_yet_Again Wishing you both a lovely Easter weekend
I am on a roll so decided to do a few things I've been a bit scared of relating to my big idea- I set up a new email account. Brilliantly the name I wanted has not been taken and it clearly describes the whole idea.
- I placed an announcement in listings. The magazine will come out in print and online in June so I need to be ready so will begin doing tasks around this weekly.
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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720257 -
Good news on monies in.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.4 -
Sounds like things are going good dia. It was always going to come right for you as you are good at planning. Even if things don't go to timescale, having a plan is definitely the way forward, I think3
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