LBM in 2003.. What have I been doing since??!

Options
1…199200202204205…459

Comments

  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Options
    Watched Blue Jasmine. Fantastic movie - Cate Blanchett was amazing.

    Good to see you popping in kerri, very exciting re the mortgage app :)

    How's you SA? Got the holiday sorted?
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
    Options
    Yay for Monday :j well done xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Options
    Thanks KoG! It will be a day of celebrations!:)

    How are you, do you have a diary? Well done on making the changes and inching down on the debt. In some ways the first days are the hardest.

    Not sure what we have planned today. OH and me trying to get our heads around tax, VAT etc..Caz..where are you when I need you?!! :rotfl: It will be a whole new learning experience but one that is beginning to pan out as a very good move for us.

    Grey day here but looking forward to 2 days off :)
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Options
    brizzle: What do you want to know about tax / VAT? I presume you are starting a business.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Options
    Yes...;) A new venture..mainly for OH but in time who knows?;)

    The company was incorporated on Friday, have applied for a bank account. Very exciting.

    If we hadn't had our LBM and well on the way to being DF we couldn't have even begun to countenance this so it just shows you what new horizons living without debt can bring...just when I think of all the hundreds of thousands we have spent over the years on stuff we could have done without I could have retired by now!:o
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Options
    Exciting times. :)

    Please get yourself a good accountant. Whilst you can do things yourself, chances are a decent accountant will save you much more than their fees.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Options
    Yep, he has been hired, via a recommendation from another small business. He set up the company for us last week.

    Will keep you posted :)

    Any plans for the weekend? It's glorious here..but I am due at the hairdressers and OH is decorating windows, so no chance of getting out for a walk in our beautiful city/ the countryside yet :(

    It is rather funny though..OH is chatting to all the neighbours as they walk by..it's a very sociable thing to do, this outside painting lark..I think he is rather enjoying it :D
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Options
    Sounds like you've covered most bases, look forward to hearing your updates.

    Nice weather here too. :) The only few things I've got planned are in no way exciting and we've got to go see the in-laws later, less said about that the better.

    Where we live, if I'm doing jobs outside I don't really see anybody apart from the farmer "next door".
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • cazmanian_minx
    cazmanian_minx Posts: 4,048 Forumite
    First Anniversary First Post Debt-free and Proud!
    Options
    *waves*

    I wouldn't have been much use anyway, tax and VAT for a limited company is very different to tax and VAT for an 'umble sole trader like myself ;)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
    Options
    Thanks for asking :)

    I'm ok thank you, yes I have a diary (I know you've found it though)

    I have been having good days and bad days, some tearful days, but hey i got myself into this, and I'm determined to get me out of it :)

    I'm currently happy and dying to make my first overpayments :) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.3K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 248K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards