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Lulabelle's MFW Diary
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# 1481
lulabelle1
Old 07-05-2013, 9:21 AM
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Quote:
Originally Posted by gallygirl View Post
Hope you have a great time but don't go on the teacups
Yuck, hate the teacups too - infact, I really don't like spinny round rides much at all.

Call us crazy, but we're not actually going to be going to any of the Disney Parks (apart from Disney water parks) whilst we are there...
Currently o/s: £95,214 as at 7 May 2013
2013 Overpayment Target: £7272/£16,800 (43%)
MFiT Challenge: Reduce to £30k by 12.12.15
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# 1482
lulabelle1
Old 07-05-2013, 9:32 AM
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Right, I'm getting focused again.......

Have just updated accounts and made some MOP's. signature and o/s balance updated again - for the first time in ages.

All of the spends are pretty much saves for the Florida holiday - just need to order some park tickets. We're not actually going to Disney this time (strange?). Looks like we will be going to Universal Studios/Islands of Adventure and then I'm considering buying a ticket for Busch Gardens and maybe getting a combo ticket with Seaworld and Aquatica too. I'm too fussed about Seaworld but since we are staying fairly close (can see it from the resort) then I guess it makes sense to get a ticket to go there, plus on the combo ticket it doesn't cost much more.

I used to work in the travel industry and get very cheap flights and free accommodation so we've been tonnes of times before and this time round we've decided to just spend a handful of days at the parks and use the rest of the time to explore some of the stunning beaches on the West Coast or just chill out at the pool. I really can't be bothered with the crazy Q's at Disney......

When DS2 is old enough for all the rides, then we'll go again and do all of the rides, assuming we have the money to do so....... (no longer get cheap flights and free accommodation!!!!).

So, I've been AWOL for a while - truthfully I just had enough of penny pinching and been really careful. Don't get me wrong, we didn't go wild, but we spent some money on the house and garden etc, new clothes for the boys and hubby and I had some treats too.

We came very close to putting the house on the market but realised that we really need to stick to our plan...

Two plans really - not sure which way it will go.

Plan A - mortgage free on this house, save for a few years and then consider whether to buy a bigger house using money we have saved and possibly a small mortgage.

Plan B - OP as much as possible with the intention of using the OP's to fund a deposit on 1 or B2L properties.

Not really sure which way it will take us - but we just need to get the focus back and OP as much as poss in the meant time.

Buying a bigger house now would be a bad idea as it will just give us a massive mortgage noose around our necks and also make it much more difficult to invest in a B2L property or 2.

Holiday is in 19 sleeps..........

Well, that's pretty much it for now. I haven't looked at any diaries for well over a month, but will aim to try and catch up a bit in the next few days.

Lula xx
Currently o/s: £95,214 as at 7 May 2013
2013 Overpayment Target: £7272/£16,800 (43%)
MFiT Challenge: Reduce to £30k by 12.12.15
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# 1483
moneycurious
Old 07-05-2013, 11:06 AM
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Hello!! sorry not been in catching up, you seem to have done so much!!! x

"Early to bed, early to rise, keeps you healthy, wealthy and wise." - Benjamin Franklin
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# 1484
lulabelle1
Old 07-05-2013, 11:59 AM
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Quote:
Originally Posted by moneycurious View Post
Hello!! sorry not been in catching up, you seem to have done so much!!! x
Hey, don't worry - I've been AWOL myself for the last month or so.... Back on the wagon with a restored sense of focus though.

Sun is shining which makes such a big difference to my frame of mind.
Currently o/s: £95,214 as at 7 May 2013
2013 Overpayment Target: £7272/£16,800 (43%)
MFiT Challenge: Reduce to £30k by 12.12.15
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# 1485
Calfuray
Old 07-05-2013, 1:16 PM
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Over 7k in not even 5 months sounds like on track to me

Nice to see you back, and don't be so hard on yourself, we all need treats and motivation every now and again.

Holiday sounds like it will be amazing!
Starting: £58,896.00 Now: £55,620.88
MFW 13 No.75 OP Target £982.13/£1500
MFiT-T3 No.134 - Reduce mortgage to £50,000!
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# 1486
lulabelle1
Old 07-05-2013, 1:32 PM
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Quote:
Originally Posted by Calfuray View Post
Over 7k in not even 5 months sounds like on track to me

Nice to see you back, and don't be so hard on yourself, we all need treats and motivation every now and again.

Holiday sounds like it will be amazing!
Rrrrr, thanks for popping by
Currently o/s: £95,214 as at 7 May 2013
2013 Overpayment Target: £7272/£16,800 (43%)
MFiT Challenge: Reduce to £30k by 12.12.15
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# 1487
lulabelle1
Old 07-05-2013, 1:42 PM
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Well, approx 4 hours after posting about my new found focus, I have done lots of spending (just to please/amuse you Natty!):
* Sainsbury's - £6 something, bits and pieces for dinner as decided to have a BBQ to make the most of the weather
* Park tickets for the holiday - searched around, saved a few pounds, still spent £734, eek!
* Parasol for the garden £29.99
* Trunki booster seat back pack thing for the holiday - £32.50 - searched around this was the best price, also with free delivery. To hire a booster seat costs a small fortune - could feed a family of 100 in India for the cost of the booster seat from the car rental company. I suppose we could have packed a booster seat, but only planning on taking a few cases and need room in there to bring some Pancake mix and syrup home!

All items above were from the various budgeted accounts. Does that make it OK?
Currently o/s: £95,214 as at 7 May 2013
2013 Overpayment Target: £7272/£16,800 (43%)
MFiT Challenge: Reduce to £30k by 12.12.15
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# 1488
nattypants
Old 09-05-2013, 6:47 AM
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Thank you lula, I can always rely on you to make me feel better - a true friend indeed

Although you have spoilt it somewhat by having BUDGETED accounts - what's all this about
If it ain't funny, don't do it.

January13 - £108,954.69
Now (in pennies), only 10849227
December13 - to be in the 90s!
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# 1489
Tilly MFW in 6 YRS
Old 09-05-2013, 8:21 AM
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Morning Lula, I would go as far to say this spending doesn't count as real spending, as you had budgeted

Doesn't the sun make life so much better - I felt full of energy over the weekend, and yesterday's grey sky seemed to knock me for six.

Have a good week, Tilly x
2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
Goal: 4/4/16 new goal 31-12-15 Moving to March 2016 to allow for a holiday extravaganza
House 1:value £488k, Outstanding Mort after offset £209,958
House 2: value Euro 400k, mortgage Euro 0.
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# 1490
lulabelle1
Old 09-05-2013, 9:22 AM
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Quote:
Originally Posted by Tilly MFW in 6 YRS View Post
Morning Lula, I would go as far to say this spending doesn't count as real spending, as you had budgeted

Doesn't the sun make life so much better - I felt full of energy over the weekend, and yesterday's grey sky seemed to knock me for six.

Have a good week, Tilly x
Thanks Tilly.

You are spot on in regards to the Sun - I had a lovely weekend but was a very miserable moo bag indeed yesterday, happy to put it down to the grey clouds......
Currently o/s: £95,214 as at 7 May 2013
2013 Overpayment Target: £7272/£16,800 (43%)
MFiT Challenge: Reduce to £30k by 12.12.15
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# 1491
lulabelle1
Old 09-05-2013, 9:23 AM
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Quote:
Originally Posted by nattypants View Post
Thank you lula, I can always rely on you to make me feel better - a true friend indeed

Although you have spoilt it somewhat by having BUDGETED accounts - what's all this about
Hey Natty - I've decided to go and get my hair cut today - not budgeted and full price in a "classy' salon - have I redeemed myself??
Currently o/s: £95,214 as at 7 May 2013
2013 Overpayment Target: £7272/£16,800 (43%)
MFiT Challenge: Reduce to £30k by 12.12.15
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# 1492
nattypants
Old 12-05-2013, 8:11 PM
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Atta girl - she's back OFF the game
If it ain't funny, don't do it.

January13 - £108,954.69
Now (in pennies), only 10849227
December13 - to be in the 90s!
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# 1493
lulabelle1
Old 13-05-2013, 9:07 AM
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Holiday in 13 sleeps.....

Payday in 7 sleeps

Budget hasn't quite gone to plan this month, need to do some money shuffling so that we can afford to feed our guests at the weekend.
Currently o/s: £95,214 as at 7 May 2013
2013 Overpayment Target: £7272/£16,800 (43%)
MFiT Challenge: Reduce to £30k by 12.12.15
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# 1494
HelenDaveKids
Old 14-05-2013, 8:37 PM
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SOOO jeolous!!
Morgage till Nov30 MFW Sept 2017 or earlier!
MFiT-3(38) Aug11 -£100K May13 £62k
Grocery Challenge - £500 a month
"A goal without a plan is just a wish".
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# 1495
ajmoney
Old 14-05-2013, 9:13 PM
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11 weeks tomorrow for us
2013 MFW No. 70 £1077.50/£3000
MFiT-T3 No. 70 £4638.94/£36938.01
Current MF date Feb 2030 Nov 2029 - aiming for Aug 2022

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