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I'm back, still struggling along, still frugal
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I'm finding out I rather like plenty of food and choice
don't we all love that?
sad as i know this makes me look - a fridge full of yummy things is my fav luxury x
July NSD 10/18
July Grocery challenge £76.08/£279 = £202.92 rem
w/c 8 June 4 weekly cold turkey week £59.70/£60 = £0.30 rem / June NSD 18/18 / June Grocery challenge £424.19/£270 = £154.19 over
w/c 11 May cold turkey week £49.18/£50 = £0.82 rem / May NSD 20/16 / May Grocery challenge £379.04/£310 = £69.04 over
Debt-Free April 20263 -
Have been thinking about you, and only just discovered that you started a new thread. I am so pleased, as I was worried for months that something had happened to you. I will catch up now and follow along with interest. So pleased to see you again
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £25,444....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £300/3000
Studies/surveys October £ 142.77
Decluttering items 1400/2025. 448/2026
Books read 2025/23 2026- 24 (target is 52)
Jigsaws done 20 in 2025. 5 in 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
How are things with you?
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]1 -
At last I have opened up the computer for some inspiration from the boards and decided to have another look at my diary, to see where I was in my journey.
Not much has happened, I live a very quiet life really but just as I thought I was coasting along nicely the boiler gives up the ghost leaking water all over the place, the guttering at the back of the house has come adrift for some reason and the dog has a bad leg, and I have no available spare cash at the present, well let me backtrack.
The boiler was the first appliance to fail - I applied for another under the EC04 scheme, but although I qualified with the conditions the poor old boiler (18yrs old) it was a condenser one and so I was turned down as it doesn't apply to them apparently (I did check at other places to confirm), so I had to replace it myself, which I had the money for in savings but it is tied up for a couple of years and as the interest on it is so good I didn't want to give it all up, so it went on the credit card (that I haven't used for months and had nothing owed on it) and so it's time to pay it off as quick as can 🤨 No more continuous bucket emptying thank goodness, it got that bad I had to set an alarm to get up in the night to empty the buckets! so I can now go to bed not worrying about it.
Then for some reason I looked up at the roof at the back of the house and there's a gap between the downpipe and my guttering. My next door neighbour went up a ladder but couldn't budge it and in yesterdays rain it was better than Niagara falls!!! and I certainly don't have the money for another/ or mend at the moment, so I'm now hoping that it doesn't rain too much, all this in the last four weeks! and the dog has a poorly back leg and if the medicine doesn't work then I think it going to cost me quite a bit of money even though he has pet insurance. So I have been getting very creative with mainly food as that's all I can control to any extent, I am lucky that I grow some veggies and have a good pantry but it won't last long if have to depend on it for any length of time.
But I'm a quite a positive person and I'll get over it all and just put more restrictions into place and be better for the experience.
I will post, but not everyday as I really don't do an awful lot and since the dog is on 'no walks' at present and I'm avoiding all shops and staying at home I seem to send a lot of my time reading ,sewing and trying to work things out.
beanielou - I'm fine thanks, I'm well and getting by the best I can which is the way I like it - a frugal, simple, slow life!
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good to see you nannygladys. Fingers crossed the dog's leg improves.
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Glad you are ok, but sorry to hear about your problems. Think the rain yesterday was enough to damage everyone's guttering. It was awful hear. We had the lightening storm from hell last night, and now got more thunder just started in the distance.
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £25,444....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £300/3000
Studies/surveys October £ 142.77
Decluttering items 1400/2025. 448/2026
Books read 2025/23 2026- 24 (target is 52)
Jigsaws done 20 in 2025. 5 in 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Lovely to hear from you but not so good to hear about your difficulties. I hope the dog is better soon.
Do you have any community groups or men's sheds nearby that might be able to look at your gutter for you? Do your Council offer a Crisis and Resilience Fund that you could apply to?
If you were here you'd be living on blackberries, I can't use or give them away fast enough and the freezer is now full. It has been a bumper year.
Take care
Interest beater challenge £365 for 2026 £180.01/£365
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lovely to see you back and posting. Typical to have all these things come at once!
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Lovely to hear from you again nannyg, I've been wondering how you were. Not good about the boiler etc, they say things happen in threes so hopefully this is it for you!
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Glad you’re ok apart from the guttering/boiler/dog’s leg issues. Hopefully all will be sorted soon. I will be retiring next year and won’t be on the best pension so you’re my poster girl for managing on limited resources.
I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪1
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