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I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
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  • Seasidegal58Seasidegal58 Forumite
    4.7K posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
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    Your DCs are doing really well. No wonder you're proud of them!
    Wonderful news of your reserve fund - that's a great amount to have!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Lucy5781Lucy5781 Forumite
    679 posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
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    So glad to hear how well you're all doing, very proud of your kids too!
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • Seasidegal58Seasidegal58 Forumite
    4.7K posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    I hope you and your family have a wonderful Christmas x🎄☃️🍾❤️
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    I hope you and your family have a wonderful Christmas x🎄☃️🍾❤️
    Thank you. I hope yours was lovely, and wishing you lots of happiness this year xx
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
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    New year and not really any resolutions.  I'm so sad for all those people with small businesses right now who can't work. At least I can still work, although it's a very different world now, all online working from home, I find it quite hard. But better for my health, no travel, and I have much more control over what I eat, hotel food isn't always healthy.
    Instead of dry January I've given up chocolate for January, trying to break my bad sugar habit.
    I've also resolved not to buy 'stuff' this month. Just food and fuel. Although I have broken it so far with buying a raffle ticket to win a house, sponsored my daughter to run 100 miles and £30 on a PT session. I'm OK with that, I haven't spent it on tat or stuff I don't need. £285 to last the rest of the month.
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SeekingFlightSeekingFlight Forumite
    53 posts
    Fifth Anniversary 10 Posts
    I'm glad it's working out for you :) i find i eat worse at home as i'm less likely to prep my food in advance and grab snacks while working or doing house chores. 

    Maybe I'll give up chocolate for February, its shorter ;)
    January make £5 a day £0/£150,Old Style Weight Loss Q1 -/11,2021 Frugal Living Challenger

    "Remember not to do too many things at once" said me to herself.
  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    I'm glad it's working out for you :) i find i eat worse at home as i'm less likely to prep my food in advance and grab snacks while working or doing house chores. 

    Maybe I'll give up chocolate for February, its shorter ;)
    I do like your thinking for the February chocolate challenge haha.
    I also ended up doing Veganuary, it's a diet called 'whole grain plant based' (WGPB), which is by it's very nature Vegan! I came across it when I watched a documentary called Game Changers, and it was a bit of a gamechanger! A guy called Dr Grieger gives tonnes of evidence how a WGPB diet can cure most ailments. I have to say I'm enjoying the new way of eating, I've got loads of energy and have lost 3lb. I'm eating lentils and sprouting my own seeds!! Still haven't had any chocolate, and haven't missed it tbh.
    So what 'stuff' have I bought that I didn't need?
    I bought some coffee pods for my sons coffee machine, his GF got it for him for Christmas, and the coffee is so lovely, but I felt a bit guilty as I'd been using his pods, so I bought him some more (and me!) Annoyingly it's the new machine, so the cheap pods in Aldini don't fit it.
    I bought some electric radiators, in this cold weather the under floor heating was really struggling, and we were cold. They've made a massive difference to our apartment and weren't cheap, (£1200 for 3 radiators and a towel rail) but that spend is OK with me. I also bought a hammer drill so I could fit them myself, it was £40 and was one of the highest rated on Amaz. I thought it was time I learned how to drill a hole. I'm thinking of it as an investment, as I can do my own DIY now! I've also fixed the towel rail and put up a hook for the bathroom door. I have a picture that needs hanging too, which I'll attempt this weekend.
    I bought a new set of ktichen scales, as my old ones died, they were £8
    I bought a seed spouting jar, but that's food related so it doesn't count.
    So all in all, not a particularly frugal month, but I'm happy with my purchases, it wasn't tat I didn't need.
    I've managed to save loads over the last year, I have enough to pay off the car loan and some, but now I've got some money in the bank, it makes me feel very comfortable, I don't want to spend it, just keep adding to it!!

    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Well I'm very please to say that I haven't bought any more tat in the last week, probably on account of all the tat shops being shut. Although I have made it down the middle aisle at Aldi several times without buying a halogen air fryer or any new bedding. In fact I've gone 1 step further. Every day in February I'm getting rid of 1 thing, I'm going to minimalise. If I don't need it or love it, it's off. I did have a huge wardrobe sort out at the weekend, and reduced it by around 50% It's gone to my friends dress agency for when she reopens, so hope I'll make some money from it too. Today I put a spare seat from my road bike on ebay and already have a bid.
    Pay day last week, and I've made a £500 overpayment to the mortgage and the same to the car loan.
    I've decided to continue Veganuary, I'm actually feeling really good on it. Although someone did buy me some chocolates, I have managed not to scoff the whole box in one go, so that's progress.
    Hope you're all having a frugal week x
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Hello frugal friends. This week has been a good one, well so far. All purchases this week have been food, £64 in total. I have a Monzo card, and I've activated the 'penny pot' which rounds all purchases up and deposits it in a separate account - £5.25 this week.
    With my DS we have been investing in some Crypto currency, just a little at a time, over the last year, DS is adamant he's going to trade his way to £1 million by the time he's 30!
    In the clear out this week I've put a couple of things on Ebay, the old seat off my road bike is currently at £29, I do love Ebay it often surprises me!
    I had a 6 week booking at my Airbnb today, starting next Thursday, for a couple and a cat inbetween house moves, so that's look after the mortgage for a couple of months. Sadly my cohosts/cleaners and my gardener resigned this week. I'm going to try and do as much of the management and cleaning my self. Not a problem now as there's hardly any bookings! But later in the year, when hopefully people can travel again, I'll need someone to help me out during the week when I'm working. I'm a bit gutted, the cohosts lived next door, they took great pride in it and virtually ran the whole show for me. All good things come to an end!
    I've got a weekend of online yoga and a socially distanced walk with my daughter.
    Have a great weekend all. X
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Seasidegal58Seasidegal58 Forumite
    4.7K posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    You've been doing so well Skinny!  Well done!
    I changed over to being vegan some time ago - well I'm not 100% and do come off the wagon sometimes.  I don't really miss meat or fish that much but cheese I do miss. The vegan versions however worthy to do come up to scratch!  🧀🧀🧀🧀😀. I loved The Game Changers too. Have you seen Forks Over Knives or What The Health?  Both very interesting and informative.  
    Good news on the Airbnb booking!👍
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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