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  • FIRST POST
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 13th Jul 19, 6:43 PM
    • 177Posts
    • 703Thanks
    StripeyTightsSpottySocks
    My 25 Months Challenge
    • #1
    • 13th Jul 19, 6:43 PM
    My 25 Months Challenge 13th Jul 19 at 6:43 PM
    Hello all

    I've been reading and been so inspired by lots of diaries on here that I've decided to take the plunge to gather together my random and discombobulated plans into one place.

    Our family is me, my boyfriend and 2 cats. I couldn't think of a name for the thread but as our current mortgage fix comes to an end in, as the catchy title suggests, 25 months, this seemed as good a name as any.

    In 25 months I would love to be Mortgage Free - in 25 months I'd be happy to be Mortgage Neutral

    On paper this isn't possible - but a dream remains a dream without a plan - right?

    So here I am, committing to ideally popping in at least once a week to update how these plans are going

    In 25 months I want us to be in a position to move house. We never planned on staying here as long as we have done. A bit of background: since buying our home we have been through 5 redundancies Redundancy payments were the minimum and money owed for overtime was not paid Anyway - enough of those glum faces!! That is the past. We are both working now, albeit my role is part-time. Mr Spotty Socks loves his job and I am very proud of him and pleased for him - although he may be earning less than before he is definitely a lot happier in this job. I am paid a lot less than previous jobs - and I don't love my role Part of the reason I also want us to be mortgage free / neutral is for the choices this will give us

    I have a spreadsheet which I record lots of things in diligently and I also have a plan to clear as much from this house as I can over the next 2 years so it will make a move easier - positive thinking can only be a good thing

    I'd love it if anyone would care to pop in with any tips or suggestions
Page 8
    • Tahlullah.H
    • By Tahlullah.H 15th Oct 19, 8:19 PM
    • 32 Posts
    • 100 Thanks
    Tahlullah.H
    Hi Stripey, good to hear you are still m moving forward, even when there are the occasional steps backwards. The overall direction of travel is forward!

    I am a great advocate for only doing what feels right at the time. So much in life is about doing what you are told to do or expected to do, regardless of your own well-being. So, if you need to take an age to clear a room, take the time. The stuff isn't going anywhere. Make sure that you are in a good place before causing any distress to yourself. Self love and self healing is important, because without these, you cannot care for other or for your home. Take time to rest, relax and repair.
    Where there's a will, there's a way!

    Mortgage outstanding - 31 August 2019 - £76,000. 31 October 2019 - £73,100.
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 17th Oct 19, 7:49 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    Thank you savings and tahlullah for your kind and supportive words

    It has been a busy week and i have achieved some things Ok, it's small stuff but still -

    the kitchen remains clutter free

    I went into 4 shops and in 3 of them bought only what was on my list - in the 4th i spent an additional £1.80 - this got me 2 luxury ready meals, 5 packs of veg - which i'd been hopeful for because i wanted some for a stew but didn't put them on my list because i didn't want a large veg spend this week and 5 lots of fancy bread which i was also hopeful for but i didn't want to spend ££ on so it wasn't on the list
    Food spend £18.98

    i picked up a book on a charity stall in town and i put it back and walked away

    I've been drinking enough water each day

    We've eaten from batch cooking and leftovers all week

    I've batch cooked some more to use what we have

    Things i'd like to achieve this weekend

    Clear living room

    Start on utility clear out

    Look into item on ebay to check resale price

    Read

    Run x 2

    No food spends

    Continue water intake

    Re-organise inventory of freezer into a book

    Meal plan for the week - i need to try and find a routine i can use - any suggestions welcome

    Update sig to include target £1,000 for EF - thanks to savings

    Decide on next health issue to tackle and book appointment

    Put current health issue on calendar so i am clear on appointments
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 17th Oct 19, 8:01 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    i hope everyone is well?

    I thought i'd jot down the things i've achieved and those things i'd like to achieve this weekend. All small things but they will help make a difference

    i cancelled all shops this weekend as, remembering how i felt last week i decided my health was more important and this is what i'm prioritising now.

    Extra money will help and help with freedom and choices too so i will be pondering things in my mind. The end of the month isn't too far away and i have a large bill to pay and i want to then look at the target in my sig as well as focus on a proper EF - rather than the one i have now which i see as part of my mortgage payment, although it isn't really.

    Tonight i am going to have some supper - leftovers & watch a film. I'm very tired and haven't been sleeping well so a bit of a relax tonight and hopefully, a measured approach tomorrow, will show some results. I will post an update too.
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • savingholmes
    • By savingholmes 17th Oct 19, 10:27 PM
    • 9,919 Posts
    • 20,119 Thanks
    savingholmes
    I am so proud of you for starting to sort your EF and putting the book you picked up down. Progress! Gold star! Some great frugal food shopping too. I think it is also really good that you are relaxing this weekend and not over-stretching yourself. Hope you manage to improve your sleep soon. I must admit I've just bought a couple of new pillows - really hoping they help me as my current pillows just don't seem supportive enough...

    I look forward to reading the 10 items you decluttered. One of the other diaries I read a while ago - listed every single thing they decluttered including seriously embarrassing items. I think I will just post a number though... it depends... got to do it first....
    Target DFD Mar 21 Nov 20 £38840 @ 13/7/19 £25,897@0%
    Target MFD July 2031 March 28 owe £145551 @13/7/19 £145,078 @1.7%
    • Moneywhizz
    • By Moneywhizz 17th Oct 19, 10:47 PM
    • 276 Posts
    • 1,316 Thanks
    Moneywhizz
    Good progress with your shopping, sticking to your list and not buying more books. Regarding meal planning I have a very simple plan. I plan for the next two weeks according to what I have in the freezer and buy the additional bits that I need weekly to make the meals. This saves me having too much in the freezer and allows me to buy "bargains" when I see them as I can either adapt them into my meal planner or put them in the freezer for the following two weeks. I think some people stick very strictly to their plan but I like a bit of flexibility. My main aim is to make sure I don't waste food and also I am not stuck thinking what we will have for dinner. I also keep a running list of what I have in the freezer on my laptop and add to it after I shop so that it is easy to make up the plan and I don't have to go on a rummage to see what I have. As I say it is a very simplified system, but it works well for me and takes very little effort.
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 18th Oct 19, 9:57 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    I am so proud of you for starting to sort your EF and putting the book you picked up down. Progress! Gold star! Some great frugal food shopping too. I think it is also really good that you are relaxing this weekend and not over-stretching yourself. Hope you manage to improve your sleep soon. I must admit I've just bought a couple of new pillows - really hoping they help me as my current pillows just don't seem supportive enough...
    Originally posted by savingholmes
    Thank you savings your supportive words really help The bed is lovely and comfortable - it is clearly the lumpy thoughts in my mind keeping me awake But i do work so much better after a proper deep sleep - i need to find a way to achieve this...

    I look forward to reading the 10 items you decluttered. One of the other diaries I read a while ago - listed every single thing they decluttered including seriously embarrassing items. I think I will just post a number though... it depends... got to do it first....
    Originally posted by savingholmes
    I never thought of that But i'm not sure i've got anything that embarrassing Hope all is good with you savings? i shall pop over and 'see' you soon
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 18th Oct 19, 10:10 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    Good progress with your shopping, sticking to your list and not buying more books. Regarding meal planning I have a very simple plan. I plan for the next two weeks according to what I have in the freezer and buy the additional bits that I need weekly to make the meals. This saves me having too much in the freezer and allows me to buy "bargains" when I see them as I can either adapt them into my meal planner or put them in the freezer for the following two weeks. I think some people stick very strictly to their plan but I like a bit of flexibility. My main aim is to make sure I don't waste food and also I am not stuck thinking what we will have for dinner. I also keep a running list of what I have in the freezer on my laptop and add to it after I shop so that it is easy to make up the plan and I don't have to go on a rummage to see what I have. As I say it is a very simplified system, but it works well for me and takes very little effort.
    Originally posted by Moneywhizz
    Thank youMoneywhizz This morning i took my scrap of paper which detailed the contents of each shelf of the freezer and transferred this into a notebook which is easier to find and the food we have is now easier to 'see' too
    I have a page each for each shelf - and if appropriate in the margin i put an L or B next to the item to denote if it's specifically a breakfast or lunch item. I also make a note next to some of the items to tell me what else i need. eg 2 portion Chilli - need rice & garlic bread - this note is to tel me whilst t's 2 portions they are on the small size but padded out with other things results in a more varied and substantial tea

    I think i'm like you - i don't want to be struggling to think 'what can we have for tea' i also don't want waste and often have leftovers for lunch or tea the next day. But i also don't think i'd work well with a very 'fixed' meal plan so something flexible is definitely key. I would like some space in the freezer but at the moment have been guilty of lifting out an item to batch cook with - resulting in 4 items going back in the freezer Also, as i don't like waste i'll often turn things into a meal to freeze rather than it being thrown away. I am trying with meal planning, to find a method that suits me. This week, at the end of the shopping list i wrote each day and meal plan to help keep me focused
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 18th Oct 19, 10:42 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    Today has been ok. I haven't been for a run but i have been under the weather and as i'm focusing on well-being i am just going to take the time i need at the moment.

    So it has been a slow day with a mixture of good things - & possibly bad too?

    i have drank enough water

    Eaten from stores - albeit only 1 meal due to being a bit poorly today.

    Washing is up to date and moved

    Pots done dried and moved

    Some time spent with Mr Socks

    Read a little

    Moved some things from the living room - i am going to combine this with the utility activity because it's mainly paperwork and hard and slow going

    The possible bad?

    Today hasn't been an nsd

    £18.53 food budget

    £10 a pair of new work shoes. These were reduced in the sale and i have been looking and reluctant to buy for almost a year now. My last work shoes were a cheap pair and damaged very easily so they looked really tatty and not at all professional when going into meetings - they couldn't be repaired. Wish i'd realised how easily they'd scrape when i got them As it's no longer summer my sandals won't bear up in the rain. i nearly didn't buy these shoes and left the shop but then went back. I can't buy online because my feet aren't very mse as they are oddly shaped. Also i figured online there is usually postage too as well as not being able to return / return for free (the bay) so i think this is ok - or am i just trying to justify the spend

    Decluttering
    A book
    A pair of shoes -

    I should probably aim for 11 things having just bought some shoes - i am trying to sell a pair of shoes on the bay - x3 attempts and then charity shop so they are definitely going and they are leisure shoes; so not a like for like swap

    Oh and the food spend Because i meal planned and wrote next week's shopping list today i knew what i needed. I also have a sort of shopping wish list too - the things i know i need but aren't urgent this week and to check and see if there are any offers. £9 of the spend was on toiletries and household - reduced to half price of what i normally pay so i bulk bought This will be very moneysaving over the coming months The remaining £9.53 was for some sauces which i knew i wanted and today they were the lowest in price ever so i nabbed just what i needed - one jar will last me a long time so no bulk buying there i then, totally unexpectedly hit a little bit of shopping gold - bacon was on next week's shopping list - in the ys section 4 packs bought and as i looked in another aisle something which has never happened to me before - a lady appeared laden down with a small tray which she placed in front of me - it was deli discount I got 3 huge wedges (too big to be a slice ) of pie, some fancy sausage rolls, some turkey and some ham - these were all priced at less than 30p each i was delighted i also got some veg which was on my list for Monday. The other meats weren't too our taste and some seemed quite expensive in comparison - a single slice of ham for 30p?

    So, i said no food spends but bought things Some off next week's shopping list - toiletries and bacon; some off the wish list - sauces and some bargains which will be used.

    Oh & i was going to buy some foil trays but took them out of my basket as i have plenty of tupperware which is reusable

    Remaining on the list is cat food, potatoes, milk and wine.

    Hope you've all had a good day - i should get off to bed soon x
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 19th Oct 19, 6:54 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    Today i managed to go for a long, very slow walk - good thing i hadn't gone for a run as i wanted to as my body just isn't up to it yet - too many aches and pains - it was still good to get out in the fresh air

    I decluttered 1 more item but think i need to increase my target to 12 due to some spending

    So yesterday i bought some new work shoes - most definitely a need.

    Today i popped into the charity shop as i do need a new bag. Organising some of the things i have is making me identify some things i need and a new bag is on the list. I've actually been looking for a new bag for most of this year and i have found one in the sale but i don't want to spend that amount of money - £20 - though it is a very lovely bag and perfect for my needs. There weren't any in the charity shop - however, i didn't leave empty handed

    £5.28 spent - this bought me a new outfit which still has the tags on it and a book - but not for me it's a birthday present I received a gift for my birthday from someone i don't usually get gifts from. I haven't budgeted to buy them anything. Anyway the book along with a small item from the gift stash i have will be perfect (small item on it's own has always been intended as an 'along with other items will make a suitable prezzie' as it's a filler sort of gift). prior to seeing the book i had been researching items i believe they would like for a gift and they were priced at £10 - not to be miserly but i didn't really want to spend this as it isn't in the budget at all. I don't think a gift from them will become a habit and was really quite surprised to receive something

    I am also very chuffed with the outfit - i usually find this shop far too expensive for clothes and to find something new with labels on and at such a good price was brilliant - to put it into context they had a primarni dress next to my item, clearly had been well worn and loved and was £6.99.

    So my target is 12 and i'm at 3 items gone - 3rd item is vase surplus to requirements in our wee home.
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 21st Oct 19, 7:39 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    I think i may need to change the title of my diary

    However, i am going to confess all that is ALL of my spending this weekend and i would really like some sage advice, a stern telling off or whatever it takes to get me back on track please Totting up is in process and also in categories. But i really do need something to wake me up to myself - i am also going to be honest on the needs v wants front too..

    £15.96 food spends - includes £10 cat food and will cover next few weeks of treats as well as actual food. Plus, we're feeding 3 now as a 'friend' is popping in for breakfast and supper and literally clearing the plates Also we have a high quality lunch for one 2 x 2 starters for 2 people and a beautiful jar of jam to last a good few months. Rest of stuff was on the 'staples item - if it's the lowest price i've ever seen it i'm buying it'

    Back after looking at items for prices..
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 21st Oct 19, 8:53 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    Decided to post mid adding up - i am *so* very exhausted awake most mornings now from about 2-3am onwards - typically finally feel i can sleep again just as it's time to get up and no motivation to get up Work just isn't doing it for me and i pride myself on a strong work ethic. Ridiculously busy day today and i do prefer to be busy but not for the reasons i was busy today. Added to that the attitude of my boss today was so i've not been able to switch off since coming home as i think i should have quit there and then and just upped and left - except i have this pesky mortgage to pay & a life i do so deperately want to live rather than exist in... However, i can't guarantee the next time i am treated in such a rude manner i won't just walk Am i being pathetic? I don't know. According to advice i've sought there isn't really much that can be done about someone either completely ignoring you or speaking to you like you're utterly beneath them

    Anyway - sleepless night Hello menopause - i guess. I'll get booked in at the doctors in the next few weeks and then they can tell me i'm wrong and in a year tell me i'm right Yes, it's early but hey, it happens and what i need right now is a bit of support and to be able to sleep please! Other obvious contender is stress - but i've learned i've lived with a fairly high level of stress all my known life - it's all relative. So we will see and i have decided on my next ailment to tackle.

    Good things

    Because we need them

    Currently drinking water to hit my quota for the day

    Made lunches for the week from stores

    Saw a beautiful skyline

    Had the unutterable pleasure of being reminded by good people that we beat ourselves up over things far more than others

    Enjoyed the company of good people who make me want to be a better person

    Treated friends and family for a low cost to me - said gifts already in use

    Agreed to take part in a charity event

    I am sure there are others but literally fighting to keep eyes open

    Spends tally thus far £34.82 3 new work dresses, 1 with tags; 2 new coats 1 brand new autumn and 1 winter Ė both WANTS and already worn gifts for family and friends both already using, a dress being sold on as it didn't fit me well enough, 2 casual day dresses - 1 with labels on skirt and 2 cardiís with labels on 4 itemsfor my hobbies a phrase book for our holiday and 2 stunning framed pictures for our home.
    Toiletries tomorrow as i'm beyond exhausted

    Hope all are well - i meant to pop round diaries but so very tired x
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 23rd Oct 19, 9:45 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    Well i didn't get to pop back in because work has simply been draining

    Food spends £4.57 only what was on the list & i didn't get an item as Mr Socks added something to the list instead so i thought mine could wait for another week to keep costs down

    £20 Petrol top up to see me to the end of the working week. part of the reason i want a new job is work is a bit of a commute and sometimes i'm just in for a few hours so it feels like the first hour is just to pay the travel costs. i have taken this up with work but there is no movement on this at all. it wasn't what i expected when i got the job. But i did need a job at the time too... I have also needed to do a couple of small journeys for family, I combine these when i can but other commitments mean its not always possible.

    Entertainment spends from the weekend £20.60 so i'll cancel another night out instead - the £20.60 does cover 3 different events. Socialising with friends and entrance fee for 2 nights with Mr Socks.

    I have not yet totted up rest of weekend spends. but i will.

    properly mentally vexed and drained at the moment. However, there are some good things.

    Good things

    skyline was beautiful as i set off to work this morning

    clouds / sky were beautiful when i arrived at work

    kept to the shopping list despite being very tired

    realising i don't look after myself as soon as everything gets too busy - knowledge is good

    Arranged appointment to tackle one of my many ailments

    packed lunches - standard here

    Low cost evening meals too - leftovers and 10p reduced items so freezer is still full and minimal shopping next week.

    Other things

    i've decided to remove alcohol from the food budget and put this from entertainment instead. if we went out it would be more expensive and Mr Socks won't reduce the weekly cost of this - he figures if we don't have it that week it will be there for another time so it's a fixed cost which is annoying me every week because with the price of this and cat food the cost is already high. I will leave cat food in this budget though. Mr Socks does contribute a bit more to the food budget for this (drinks) spend so re-categorising will mean i don't think it's hardly worth trying to reduce the food shop further.
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 23rd Oct 19, 9:52 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    whoops - meant to review rather than post.

    hope all are well - tired. sure there's some 'other' things i meant to post. I will tot the spends up and post and will try and do a Friday review - may be on saturday but a tally up of where i'm at financially and then start the fresh 'month' from saturday onwards.
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • carolinerunner
    • By carolinerunner 23rd Oct 19, 10:15 PM
    • 514 Posts
    • 6,314 Thanks
    carolinerunner
    Bravo STSS for your hard work and determination!
    Sorry if this has been asked already - what does 'mortgage neutral' mean?
    Erratically money saving
    • savingholmes
    • By savingholmes 24th Oct 19, 10:54 PM
    • 9,919 Posts
    • 20,119 Thanks
    savingholmes
    Hi Stripey - sounds like you are still doing well under trying circumstances. Your clothes bargains sound great. How did you get on with your decluttering challenge?

    Our fridge/freezer broke - so I decluttered it (we have a second in the garage I put some stuff into). I binned some stuff that was from 2013!!!! So think I met my challenge that way although it was partly cheating LOL...
    Target DFD Mar 21 Nov 20 £38840 @ 13/7/19 £25,897@0%
    Target MFD July 2031 March 28 owe £145551 @13/7/19 £145,078 @1.7%
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 25th Oct 19, 1:14 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    Bravo STSS for your hard work and determination!
    Sorry if this has been asked already - what does 'mortgage neutral' mean?
    Originally posted by carolinerunner
    Hi Carolinerunner

    Thank you for stopping by

    Mortgage Neutral is when you have at least the same amount in savings as the balance of your mortgage. I think a lot of people do this due to higher interest on their savings than the interest being charged on the mortgage eg mortgage is £30,000 2% interest savings are £30,000 5% interest. HTH

    Personally, i'd like all the mortgage paid off and savings and the priority for me is paying off rather than saving. However, due to several redundancies where I lost a lot of money, not just due to being out of work but because i had to apply for the statutory redundancy payment i need a buffer there which is why i have the savings (i see them as part of mortgage payment so don't touch them)
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 25th Oct 19, 1:17 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    Hi Stripey - sounds like you are still doing well under trying circumstances. Your clothes bargains sound great. How did you get on with your decluttering challenge?

    Our fridge/freezer broke - so I decluttered it (we have a second in the garage I put some stuff into). I binned some stuff that was from 2013!!!! So think I met my challenge that way although it was partly cheating LOL...
    Originally posted by savingholmes
    Hi savings to your freezer declutter i was going to count a cocktail as decluttering as it used up a couple of bottles with only small amounts in

    The clothes were bargains - the new work dresses in particular (£1 each) will come in handy as i only have 4 work outfits at the moment and am in 6 days sometimes.

    I need to count up my decluttering but i don't think i got rid of 12 things and then thought i'd need to declutter more than i brought in too
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • StripeyTightsSpottySocks
    • By StripeyTightsSpottySocks 25th Oct 19, 1:38 PM
    • 177 Posts
    • 703 Thanks
    StripeyTightsSpottySocks
    Very tired so am going to have a rest in a minute

    Just wanted to pop in and say sig updated

    I've set myself some targets i'd like to achieve before the next payday - i'm working on pay day to pay day rather than full month basis.

    snooze now though as i'm not up to anything when i'm this run down.
    14/07/2019 Mortgage Balance £52,995.15 £57,850
    16/07/2019 T Credit Card Balance £1728.50 £967
    £1,500 bill paid in full oct 19
    16/07/2019 Mortgage Savings £9,525.00
    EF£100/£1,000
    p9
    • Tahlullah.H
    • By Tahlullah.H 25th Oct 19, 7:27 PM
    • 32 Posts
    • 100 Thanks
    Tahlullah.H
    Hope you feel more energized soon. Try not to get this low, recovery from rock bottom is a long climb.

    Tx
    Where there's a will, there's a way!

    Mortgage outstanding - 31 August 2019 - £76,000. 31 October 2019 - £73,100.
    • savingholmes
    • By savingholmes 25th Oct 19, 11:23 PM
    • 9,919 Posts
    • 20,119 Thanks
    savingholmes
    I laughed at your decluttering too... sounds like we are similar currently. Hope you have fun this weekend
    Target DFD Mar 21 Nov 20 £38840 @ 13/7/19 £25,897@0%
    Target MFD July 2031 March 28 owe £145551 @13/7/19 £145,078 @1.7%
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