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Riding the wave

12357…18

Comments

  • Keep_Buggering_On
    Keep_Buggering_On Posts: 87
    10 Posts Name Dropper
    Forumite
    edited 25 May at 10:57AM

    Further progress on the gate- got the other two joints made, the frame glued and dowelled together and once that's cured, I am going to drive a few screws in as well to make sure it is nice and solid. I am only managing an hour or so straight after breakfast in this heat. Tomorrow I am going to cut the diagonal that stops the gate sagging and fit the slats and then its ready to hang and paint. Money saving went out the window this morning, but it was in a good cause. The house across the road has a plant sale once a year. They foster special needs children and the money goes to pay for them to have a summer holiday with all the right support etc. I went across and came back with a big white daisy thing (with free forget me nots hitching a ride in the pot) and a triffid that will apparently have big lupin like flowers. They are perennials so will last many years. OH lent me £10 out of her shopping budget until I get paid on Thursday. I wasn't planning to buy anything, but the plants are massive and its for a good cause. I will get them in the flower bed tonight when the sun has gone in, along with a big fox-glove that has set up home in a pot in the back garden.

    We have a disposable barbeque ready for tea tonight, yes its a cliche, but when the sun is out like this it would be rude not to! We haven't gone mad, but there is a burger each, a sausage each and I got a chicken thigh out of the freezer that I will bone out, chop into pieces and make a chicken/mushroom/pepper skewer for each of us. I have plenty of beers in the fridge and will make OH up some cocktails and we can sit outside and enjoy the weather. I also made sure there were ice pops in the freezer so if the kids hear the ice cream van and start asking for something, they can have one of those instead!

    Debt

    PayPal- Dec 25: £4028.93 Sept 26: £3749.99

    Capital One Dec 25: £3958.89 Sept 26: £3682.44

    Klarna- Dec 25: £387.50 Sept 26: £889.22

    Total- Dec 25: £8375.32 Sept 26- £8321.65

    Savings:

    Emergency Fund- £462

    H2S: £1200

  • beanielou
    beanielou Posts: 101,447
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Good job..

    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****
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  • vampirotoothus
    vampirotoothus Posts: 488
    Part of the Furniture 100 Posts Name Dropper
    Forumite

    Great job and all for free. Well done, enjoy your evening, you deserve it. V x

  • in_need_of_direction
    in_need_of_direction Posts: 8,433
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Forumite

    well done on the first zero. Which is next.

    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • Keep_Buggering_On
    Keep_Buggering_On Posts: 87
    10 Posts Name Dropper
    Forumite

    Not sure, at the moment the plan will be to bring them down together, at least until the summer holiday is out of the way and I can put a bit more money towards it and decide which one to focus on, at the moment I am just keeping them ticking over and not adding to them. OH has said I can give her £50 less from next month as the UC has gone up and I haven't had a pay rise this time. My plan is to put that £50 extra in my budget into savings to build up an emergency fund so we have a little buffer. My Help to Save will have its first pay out of £600 in September so that will go into the emergency fund as well and we will be on the way to having £1000 as a buffer (barring any more emergencies, which I suppose it what its there for!)

    I managed to avoid the showers and get to the post office and back without getting drenched- the sun is out now and you wouldn't believe that three hours ago it was like a monsoon outside! I spent 50p in the charity shop on a silicon kid's fidget toy. Yes it sounds daft, but I have seen a video on Youtube recommending them as a pallet for acrylic paints for model making, each little pocket can be used to mix paint and when it dries, you just turn the poppet inside out and it drops straight out into the bin with no messy cleaning up, so for 50p I am going to give it a go!

    Debt

    PayPal- Dec 25: £4028.93 Sept 26: £3749.99

    Capital One Dec 25: £3958.89 Sept 26: £3682.44

    Klarna- Dec 25: £387.50 Sept 26: £889.22

    Total- Dec 25: £8375.32 Sept 26- £8321.65

    Savings:

    Emergency Fund- £462

    H2S: £1200

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