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Balancing the books

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Comments

  • lucielle
    lucielle Posts: 12,081
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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 #124
  • foxgloves
    foxgloves Posts: 13,789
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    @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!
  • Blackcats
    Blackcats Posts: 4,852
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    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.

  • PennysIntoPounds
    PennysIntoPounds Posts: 7,518
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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 🥂

  • Sun_Addict
    Sun_Addict Posts: 26,319
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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 💪
  • amber03
    amber03 Posts: 1,566
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    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 £140.00
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,518
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    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 😁😘

  • Makingabobor2
    Makingabobor2 Posts: 5,040
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    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-up


  • 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!
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