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  • FIRST POST
    • DreamerHelen
    • By DreamerHelen 20th Oct 15, 8:30 AM
    • 2,539Posts
    • 13,609Thanks
    DreamerHelen
    3-6 Month Emergency Fund Challenge!!
    • #1
    • 20th Oct 15, 8:30 AM
    3-6 Month Emergency Fund Challenge!! 20th Oct 15 at 8:30 AM
    Morning Everyone....


    I have been wondering for MONTHS now about what would happen if there was some kind of Emergency....I am self-employed and also starting a new Business which will also be on a self-employed basis....so I will never get holiday pay or sick pay....although I AM hoping to maybe get an employed Job but that would only be for a couple of days a Week so it won't cover me completely if something were to happen....


    My health is not wonderful at the moment, and hasn't been for a while, but I'm going to start trying to lose Weight once I've moved Flats (which I'm doing this Weekend!!).


    So the point of this Challenge is to save up at least 3 month's worth of wages....that can be a different amount for each person....and some people might want to save up to 6 months if they are feeling ambitious!!


    Me personally, I want to save 3 months worth of wages which for me will be £6000.


    Now, there is ABSOLUTELY NO TIME LIMIT on this Challenge...in fact I suspect it could take me Years to get to the point of having 3 months wages as Savings....For now I can only afford £5 per week but as my new Business builds up (hopefully!!) then I should be able to afford more.


    This Thread is mainly for us all to encourage each other to keep on Saving and to celebrate when we reach milestones, however large or small they may be.....Like for me, when I get to having £500 I will be ecstatic!!


    I also wanted to say that if at any time an emergency crops up and you need to use your Fund and then start again then please don't worry about doing that.....It's what the Emergency Fund is there for after all....


    I don't like having Savings in the Bank as I get too tempted to spend them so I'm going to invest in a Terramundi to put my Savings into at least at first......but other's may choose to use their Bank Accounts or a Tin from Poundworld...or stuff it under your Mattress!!


    Sooooo.....Here we go.....I'll add the names below as people Join....xXx




    CHALLENGERS
    1) DreamerHelen - GOAL: £6000 CURRENTLY: £100/£6000
    2) Dobbibill - GOAL ONE: £9000 CURRENTLY: £9000/£9000 - COMPLETE!!
    2) Dobbibill - GOAL TWO: £9000 CURRENTLY: £3646.60/£9000
    2) Dobbibill - GOAL THREE: £1000 CURRENTLY: £161.69/£1000
    3) Patman99 - CURRENTLY: £240
    4) LittleMissDetermined - GOAL: £7129 CURRENTLY: £3545.87/£7129
    5) Sophieo16 - GOAL: £3000 CURRENTLY: £3000/£3000 - COMPLETE!!
    5) Sophieo16 - NEW GOAL: £4000 CURRENTLY: £2862.51/£5000
    6) Crv1963 - INITIAL GOAL: £7800 CURRENTLY: £10/£7800
    7) Mothernerd - INITIAL GOAL: £1000 CURRENTLY: £1000/£1000 COMPLETE!!
    8) Stewby - GOAL: £2000 CURRENTLY: £230.76/£2000
    9) stoplurking - GOAL: £4000 CURRENTLY: £2160/£4000
    10) crazy_cat_lady - GOAL: £6338 CURRENTLY: £346.92/£6338
    11) stormpassing - GOAL: £5400 CURRENTLY: £30/£5400
    12) carbootcrazy - GOAL: £5000 CURRENTLY: £3733/£5000
    13) Munchin - GOAL: £6000 CURRENTLY: £1300/£6000
    14) traveller - INITIAL GOAL: £1000
    15) Freysmum - GOAL: £8500 CURRENTLY: £8500/£8500 - COMPLETE!!
    16) The Only Girl - GOAL: £12,000 CURRENTLY: £9425.89/£12,000
    17) Southern-girl - GOAL: £5000 CURRENTLY: £437/£5000
    18) dubsteppenguin - GOAL: £5000 CURRENTLY: £250/£5000
    19) DuranGirl - GOAL: £6000 CURRENTLY: £5000/£6000
    20) WantToBeSE - GOAL: £5000 CURRENTLY: £1000/£5000
    21) black cat - GOAL: £6000 CURRENTLY: £6000/£6000 - COMPLETE!!
    22) lexbubbles - GOAL: £4600 CURRENTLY: £2158.63/£4600
    23) ani*fan - GOAL: £3000 CURRENTLY: £40.29/£3000
    24) Keeping Motivated - GOAL: £6000 CURRENTLY: £6000/£6000 - COMPLETE!!
    24) Keeping Motivated - NEW GOAL: £6000 CURRENTLY: £3790/£6000
    25) rylee12 - GOAL: £6000
    26) Rosylee - GOAL: £8850 CURRENTLY: £60/£8850
    27) BlackFrosting - GOAL: £2700 CURRENTLY: £69.37/£2700
    28) Westbeef - GOAL: £5000
    29) skye blue - GOAL: £3000 CURRENTLY: £60/£3000
    30) MrsSave - GOAL: £5000 CURRENTLY: £1241.36/£5000
    31) crimson.addict - GOAL: £10,000 CURRENTLY: £350/£10,000
    32) linc1205 - GOAL: £20,000 CURRENTLY: £20/£20,000
    33) Brass_Triumphant - GOAL: £5000 CURRENTLY: £450/£5000
    34) Christa27 - GOAL: £3000
    35) Wishfullthinking2 - GOAL: £4500
    36) x_raphael_xx - GOAL: £5050 CURRENTLY: £1000/£4000
    37) moneymakestheworldgoround - GOAL: £3000
    38) georgiebrown0 - GOAL: £6000
    39) Sharon87 - GOAL: £1500 CURRENTLY: £330/£1500
    40) BabyBetty - GOAL: £5000 CURRENTLY: £276/£5000
    41) -Selene - GOAL: £5000 CURRENTLY: £691.69/£5000
    42) Thistlewhistle - GOAL: £5000 CURRENTLY: £2500/£5000
    43) abundant1972 - GOAL: £4500 CURRENTLY: £1250/£4500
    44) castlelough - GOAL: €3000 CURRENTLY: €86/€3000
    45) MLAB - INITIAL GOAL: £450
    46) milasavesmoney - GOAL: $15000 CURRENTLY: $11,273/$15000
    47) WatWing - GOAL: £3900 CURRENTLY: £250/£3900
    48) happytails - GOAL: £8400
    49) Grandad's Offspring - GOAL: £5000 CURRENTLY: £80/£5000
    50) Smodlet - GOAL: £3000 CURRENTLY: £325/£3000
    51) JCUK - GOAL: £6000 CURRENTLY: £1250/£6000
    52) Mooloo - GOAL: £4000 CURRENTLY £0/£4000
    53) aphill24 - GOAL: £5000 CURRENTLY: £1100/£5000
    54) evo5819 - GOAL: £3000
    55) mum-to-many - GOAL: £3000 CURRENTLY: £306/£3000
    56) oh2bdebtfree - GOAL: £6000
    57) Keedie
    58) AnxiousHomemaker - INITIAL GOAL: £500 CURRENTLY: £15/£500
    59) PoorGuyNextDoor - GOAL: £5300
    60) angelicious - GOAL: £7200 CURRENTLY: £270/£7200
    61) misselvis - GOAL: £6000
    62) benten69 - GOAL: £10,750 CURRENTLY: £230/£10,750
    63) TopsyMum - GOAL: £1000
    64) Poor_Single_lady - GOAL: £5000 CURRENTLY: £80/£5000
    65) swimminginaseaofdebt - GOAL: £9000 CURRENTLY: £15.71/£9000
    66) Dragon Lily - GOAL: £3000 CURRENTLY: £1135/£3000
    67) FrugalinShropshire - GOAL: £7200
    68) Determined diva - GOAL: £2000 CURRENTLY: £1050/£2000
    69) muppets - GOAL: Euro 15,000 CURRENTLY: Euro 4000/15,000
    70) dfbefore30 - GOAL: £5000 CURRENTLY: £5000/£5000 - COMPLETE!!
    71) indigowarrior - GOAL: £6000
    72) angelpye - GOAL: £4200
    73) HoneyBee83 - GOAL: £1000 CURRENTLY: £800/£1000
    74) wegle - GOAL: £6000 CURRENTLY: £548.23/£6000
    75) Hillwalker17 - GOAL: £6000 CURRENTLY: £1000/£6000
    76) Doglover - GOAL: £7500
    77) NewMeNewLife - GOAL: £5000 CURRENTLY: £300/£5000
    78) Bumblebear - GOAL: £5670
    79) lilyflower7 - GOAL: £3000 CURRENTLY: £519.23/£3000
    80) Dogbooks - GOAL: £9300 CURRENTLT: £950/£9300
    81) kazt2006 - GOAL: £10,000 CURRENTLY: £7900/£10,000
    82) Jellybeans&FF - GOAL: £9000 CURRENTLY: £20/£9000
    83) Moneybutterfly - GOAL: £1000 CURRENTLY: £270/£1000
    84) moneymanager - GOAL: £1500
    85) fruitloop04 - GOAL: £6000 CURRENTLY: £1000/£6000
    86) peedie - GOAL: £6000
    87) datlex - GOAL: £5000 CURRENTLY: £3500/£5000
    88) Anoneemoose - MINI GOAL: £931 CURRENTLY: £170/£931
    89) SamSam17 - GOAL: £5000 CURRENTLY: £20/£5000
    90) 166million - GOAL: £10,000 CURRENTLY: £43/£10,000

    If you haven’t already, join the forum to reply!
    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by DreamerHelen; Yesterday at 11:11 PM.
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
Page 3
    • stormpassing
    • By stormpassing 26th Oct 15, 4:51 PM
    • 107 Posts
    • 531 Thanks
    stormpassing
    '78 must have been a good year as I also turn the big 4-0 in 2018 Would like to do a big holiday to celebrate but there's 2 things... debt (obvs) and choosing a destination. Would like the Maldives but I think the hubster would get bored!

    Hope the move is going well DreamerHelen and you've not lost any essentials in the packing/unpacking!

    LMD x
    Originally posted by LittleMissDetermined
    I also turn 40 in 2018, what a coincidence

    SP x
    Lightbulb moment September 2015
    DFD estimated at 6yrs 7mnths 03/2022
    Total debt: £37,394.00
    #494 SPC 8 £133
    #134 £1000 emergency fund challenge £92.92/£1000
    #11 3-6 months emergency fund challenge £25/£5,400
    • DreamerHelen
    • By DreamerHelen 27th Oct 15, 5:42 AM
    • 2,539 Posts
    • 13,609 Thanks
    DreamerHelen
    LoL Stormpassing ..... well it clearly was a Vintage Year if all 3 of us were born then


    Have a busy busy busy day today....so if anyone else Joins today I won't be around until tonight....Just to let everyone know...


    I hope your Day will be filled with Sunshine and Rainbows to follow your Dreams and find that pot of gold .... xXx
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • stewby
    • By stewby 27th Oct 15, 11:22 AM
    • 1,203 Posts
    • 7,294 Thanks
    stewby
    Good morning.

    2018 is a special year for my OH and me too. We are getting married that year in April. Honeymoon isn't until 2019 (but is actually more planned than the wedding is).


    Last I heard NSK wasn't feeling very well but since then her blog has stopped so I am not sure what is going on. Hopefully, she is still travelling, has made it to Australia and is having a great time.


    I used to think I would love cruises but then the idea of 2000 people sharing the same space as me is a bit of a nerve-jangling idea. Also, your time at each place is so limited. As a result, I have kinda gone off cruises.
    I definitely think it would stop your OH getting bored though so maybe there are benefits.


    Have you just been diagnosed as diet controlled diabetes Helen?? Cause you can still have very rare treats (such as a bubblegum milkshake). You could class it as your moving in treat.
    Which makes it sound like you can only have another one when/if you next move house.


    No financey stuff for me. All my spare money really is tied up in paying off the last of my credit card so I definitely can't start until January. Might see if I can manage to find a fiver or something but not really hopeful.


    Hugs to everyone.
    Last edited by stewby; 27-10-2015 at 11:24 AM. Reason: thought I better add something goal-related.
    * Mortgage: £45,897.33/£46,176.33
    * MFW #8 : £0741.10/£6600.

    * Emergency fund: £230.73/£2000
    * Debt Free Date: 26/12/15!!
    • DreamerHelen
    • By DreamerHelen 28th Oct 15, 2:20 AM
    • 2,539 Posts
    • 13,609 Thanks
    DreamerHelen
    Morning Campers (hi-de-di!! ).....


    Stewby....I'm a Type 2 Diabetic, not on Insulin but I AM on Tablets.....I may have a Bubblegum Milkshake at some point in the next few Weeks but we'll see how it goes


    Ooooooh getting married in 2018?? It certainly IS a special Year!! Sounds wonderful....Where are you going for your Honeymoon??


    I'm up early because I woke up and my throat was burning....so whether I swallowed a spider or something I have no idea....It's getting better now...


    Nothing moneywise to Report today.....I should be able to put in the first bit of money next Thursday....xXx
    Last edited by DreamerHelen; 28-10-2015 at 11:41 AM.
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • crazy_cat_lady
    • By crazy_cat_lady 28th Oct 15, 8:54 AM
    • 3,369 Posts
    • 28,911 Thanks
    crazy_cat_lady
    I almost feel as though my parents made a mistake having me in 1977 Although it has to be said that I'm not looking forward to the big birthday so I will just join in the celebrations with you lot a year later.
    Bank balance is looking dire this morning - I'm pleased that payday is almost in sight.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • DreamerHelen
    • By DreamerHelen 28th Oct 15, 11:41 AM
    • 2,539 Posts
    • 13,609 Thanks
    DreamerHelen
    Hey crazy_cat_lady .... Noooooooo, celebrate being born in 1977...This means you are a year older and a year wiser than us


    I think I might be able to put my first Fiver into my Pot later today....Not sure, just have to work out my Finances I will declare it later....
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • Munchin
    • By Munchin 28th Oct 15, 1:11 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi


    I would love to join you all on this challenge. I still have debt which will hopefully be gone by July 2016. OH is being made redundant in May 2016 and I need to focus and build up an emergency fund just in case. My car has over 140k miles on it and I will probably need to change it in the near future but again hoping it will last another year or 2.

    I would like to aim for £6000 but it could be a slow journey.
    • LittleMissDetermined
    • By LittleMissDetermined 28th Oct 15, 6:02 PM
    • 1,796 Posts
    • 7,505 Thanks
    LittleMissDetermined
    Hi


    I would love to join you all on this challenge. I still have debt which will hopefully be gone by July 2016. OH is being made redundant in May 2016 and I need to focus and build up an emergency fund just in case. My car has over 140k miles on it and I will probably need to change it in the near future but again hoping it will last another year or 2.
    Originally posted by Munchin
    Sorry to hear about your OH redundancy

    I would like to aim for £6000 but it could be a slow journey.
    Originally posted by Munchin
    We're all here for the long-haul! Doesn't matter how long it takes.

    LMD x
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • DreamerHelen
    • By DreamerHelen 28th Oct 15, 7:29 PM
    • 2,539 Posts
    • 13,609 Thanks
    DreamerHelen
    Hey Munchin .... Welcome to the Challenge....and please don't worry, it really doesn't matter how long it takes....Just do it at your own Pace....I'm probably only going to be able to put in a fiver a week at the moment....and obviously it will take a VERY long time at that rate...but we'll get there!! I have added your Number to the List on Post One!!


    Hiya LittleMissDetermined .... How are you doing today? Hope you are well....xXx


    Well I did it - I put my first £5 in the Pot!! I'm absolutely thrilled....I know it's only a Fiver but it is a start!!
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • LittleMissDetermined
    • By LittleMissDetermined 28th Oct 15, 7:32 PM
    • 1,796 Posts
    • 7,505 Thanks
    LittleMissDetermined
    I'm all good thank you DreamerHelen well done on starting your funds!!

    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • DreamerHelen
    • By DreamerHelen 28th Oct 15, 7:33 PM
    • 2,539 Posts
    • 13,609 Thanks
    DreamerHelen
    I'm all good thank you DreamerHelen well done on starting your funds!!

    Originally posted by LittleMissDetermined

    Thank you hun, I'm really pleased with myself today


    Glad to hear that things are all good with you xXx
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • Munchin
    • By Munchin 28th Oct 15, 8:17 PM
    • 2,102 Posts
    • 6,119 Thanks
    Munchin
    Hi all,

    Thank you for the lovely welcome. I always have great plans but life tends to get in the way. Settling in for the long haul.
    • patman99
    • By patman99 28th Oct 15, 8:43 PM
    • 8,090 Posts
    • 9,509 Thanks
    patman99
    Flip. I'll be 50 in 2018. Whilst you spring chickens were guzzling on milke and rusks i was discovering punk rock, glam rock and how much fun it was to roam the countryside.

    Just remembered in 2017 it will be our 25th wedding anniversary so will have to save for that as well.
    Never Knowingly Understood.

    Member #1 of £1,000 challenge - £759.94/ £1000 (that's 75.49%)

    3-6 month EF £240.61/£3600 (that's 4 days worth)

    Do you/your spouse earn less than £197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
    • mothernerd
    • By mothernerd 28th Oct 15, 8:57 PM
    • 2,155 Posts
    • 22,080 Thanks
    mothernerd
    Flip. I'll be 50 in 2018. Whilst you spring chickens were guzzling on milke and rusks i was discovering punk rock, glam rock and how much fun it was to roam the countryside.

    Just remembered in 2017 it will be our 25th wedding anniversary so will have to save for that as well.
    Originally posted by patman99
    I was born in 1958 so I will be 58 in January. Like the idea that we are so many years wiser but not totally convinced. I still have my 25 yo son living with me and at times he reduces us to such squalor it's like being a student again. I am back in my original small house (bought in1980, finished paying for it in 1982) after several years in a larger house so I sometimes feel I am right back where I started.

    Have just accepted an (extremely low) offer on the other house so I might start my challenge in January and complete it soon after. Need to sort my new budgets (just gone on a Token Payment Plan with StepChange as I wasn't expecting any more viewings until Easter and didn't see how I could keep going). Today is bank switch day so have been monitoring which bills have been paid.
    Building a rainbow of happiness and joy
    NST Nov #9 SFD 7/20 Food £91.50/£100 Travel £2.50/£10 DIY £/£30Debt free and EF January 2016 No mortgage Progress through plodding, baby steps and purposeful pottering
    • crazy_cat_lady
    • By crazy_cat_lady 28th Oct 15, 11:10 PM
    • 3,369 Posts
    • 28,911 Thanks
    crazy_cat_lady
    I'm still 2 days from payday but am determined that I'm going to make a start to this fund on Friday when it finally ticks around.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • DreamerHelen
    • By DreamerHelen 29th Oct 15, 2:38 AM
    • 2,539 Posts
    • 13,609 Thanks
    DreamerHelen
    Morning Everyone


    Munchin hun .... You're welcome for the welcome I know you can do this.....Life tends to get in the way for me too, but we CAN do this....


    Hey Patman99 ..... You are definitely older and wiser then if you're into Glam Rock Oooooooh what are you going to do for your Anniversary....something romantic I hope!!


    Mothernerd ..... I think that you have lots of life experience and that's the main thing.....and please start when you need to hun....Sometimes real life gets in the way....


    crazy_cat_lady hun ..... Oooooooh payday is tomorrow (Friday)....I believe in you....I know you can put something in on Friday....even if it's just a Fiver like me....


    Nothing to report tonight....had a MUCH better sleep which is good!! xXx
    Last edited by DreamerHelen; 29-10-2015 at 2:41 AM.
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • crv1963
    • By crv1963 29th Oct 15, 5:40 AM
    • 151 Posts
    • 409 Thanks
    crv1963
    [QUOTE=patman99;69424558]Flip. I'll be 50 in 2018. Whilst you spring chickens were guzzling on milke and rusks i was discovering punk rock, glam rock and how much fun it was to roam the countryside.

    I turned 52 last Monday!! So am with Patman99 with punk, glam rock and for me 80s electric music!


    Welcome Munchin, I'm enjoying reading the posts finding others in similar boats has added to my determination to get sorted- even if it will be very slow.


    Have just worked the figures out for our debts- I think that I've added them to my signature! Gorgeous Wife is 50 in 2017 so got to save for that next year as well .


    Payday tomorrow so hoping to make a start on the challenges for saving EF and 3-6 month. Have been in the loft and started sorting my hoard to sell, sent pictures of my train set (cost 22 shillings and 3d in 1967!!!) to an auction house that sells toys etc as I thought they would do better than me on e-bay. Waiting to hear back!
    CRV1963- Light bulb moment Sept 15- Planning the great escape- aka retirement!
    • DreamerHelen
    • By DreamerHelen 29th Oct 15, 5:47 AM
    • 2,539 Posts
    • 13,609 Thanks
    DreamerHelen
    Morning crv1963 ...... Well I was born in '78 so I'm afraid Glam Rock and Electric 80's Music kind of passed me by...but I DO love 80's Music in General.....plus 80's Movies are THE BEST!!


    Sounds like you have a plan going and are determined to achieve what you want to achieve....You WILL do it, I have faith in you...


    Hope you have a GREAT day hun xXx
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • traveller
    • By traveller 29th Oct 15, 5:55 AM
    • 1,491 Posts
    • 5,949 Thanks
    traveller
    Hi DH, can I join please? After just clearing my debts, I found myself with a bill for a boiler, that I did not have the 3K for and vowed to set up an EF. I am paying this off and don't actually have any spare cash at the moment, but aim for £1000 initially as I'll be proud to see that, then i'll go for 3 months if that's ok
    Your Always in my heart, you never ever will be forgotten-9/9/14
    • crv1963
    • By crv1963 29th Oct 15, 6:02 AM
    • 151 Posts
    • 409 Thanks
    crv1963
    '78 must have been a good year as I also turn the big 4-0 in 2018 Would like to do a big holiday to celebrate but there's 2 things... debt (obvs) and choosing a destination. Would like the Maldives but I think the hubster would get bored!


    LMD x
    Originally posted by LittleMissDetermined


    LMD- We went to the Maldives, my Gorgeous Wife thought I'd get bored but I didn't even on a very remote tiny island like the one we went to- walk round it in an hour along the beaches- there's plenty to do- take lots to read, snorkel, etc you can be as active or lazy as you like!
    CRV1963- Light bulb moment Sept 15- Planning the great escape- aka retirement!
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