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Balancing the books
Comments
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Well done on the organising. A well earned brew and butty
L
Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
@Blackcats - I can remember when post-LBM, I realised that budgeting facilitates things, just as you've described, rather than blocking out all fun forever.
2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!0 -
So it's time for an end of month summary - "August has been spendy" sums up the month perfectly 🙃
However, 3 of the big treats we paid for on behalf of our family have been thoroughly enjoyed.
Soffits and fascia's replaced/repaired which was a necessary but unexciting way to spend money
We've had a couple of 2 night breaks which connected us with wider family and were great fun.
The wrangling with "that" family overseas has been paused whilst the professionals we need have been on holiday. The professionals in question are not Bodie & Doyle but I think their approach would sort things out.
Money is in the right place for bill paying and savings pots topped up. We will have a spend at an event tomorrow and then I'll know what our final underspend from "personal spends and fun" is. I'm hoping it will be a good amount. Grocery underspend was £37.00. £7 went to "wealth habit" and £30 to a holiday pot.
I'm doing my final pixie dust spend this evening and so tomorrow I'll share how the pixie dust was sprinkled in August.
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Marvellous to have had the works done and have had the money to do so without debt
Lovely that you were able to treat loved ones again
Looking forward to hearing that "that" family branch have been scuppered and that you used some fairy dust to sprinkle them with a restraining order 🥂
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty1 -
thanks PIP
How the pixie dust was sprinkled in August 🧚♀️
£20 holiday spending money to 3 grandchildren (all our grandkids have been fortunate enough to have had summer holidays but this little family unit have far less disposable income than others so it was a nice way for the kids to have some fritter money and eased money pressure a bit for their parents£10.00 - I found some photos, letters and bits & bobs from the 1940's that belonged to an aunt and uncle. I've sent them to their daughter who was so, so happy and emotional to see family things she had never seen before. I also bought them a lovely card of a South London 4 chimneyed iconic building that symbolises where that part of the family lived.
£30 on flowers to be delivered to a chum who has just had some really horrible treatment by someone they cared about. We wanted to show them that we care for them.
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That’s wonderful 🥰
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 💪0 -
Love your pixie dust, feels good to do nice things that help other people.
:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.000 -
Ah those are all very lovely things indeed. How beautiful to have a bit of spare money and to use it to make others' lives that bit better ❤️
Apart from the South London landmark, that's just mean 😁😘
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty0 -
You really are a wonderful pixie.
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 £ 101.72
Decluttering items 1400/2025. 444/2026
Books read 2025/23 2026- 23 (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-up0 -
Lovely ideas 🥰
DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!0
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