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TEN months and counting...

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  • skint_spice
    skint_spice Posts: 13,409 Forumite
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    SH, I think paying for a cleaner for you would cost me less than the fuel to get there! obviously if it was just a few miles I'd pop round...

    I think last christmas my first since LBM I spent much less than usual on pressies but put a lot more thought into it and I think things mean more to folks when you've made the extra effort and not just splashed out money - hopefully your MIL will feel the same way.

    So jealous of the rasps! all I've got is a bramble bush behind the hut!
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    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • skint_spice
    skint_spice Posts: 13,409 Forumite
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    OK, here are today's aims:

    1. [strike]change bed [/strike]and tidy in DS's room
    2. [strike]buy pressies for mum and dad[/strike]
    3. EBAY - you can tell how much I love this by the fact I tidied my room yesterday, also the lounge and the bathroom rather than do it.
    4. Get stuff ready for work tomorrow.:(

    getting there...

    well surprise, surprise all done except no 3! the night is yet young though...:rolleyes:
    Mortgage OP 2025 £6200/7000
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    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • elantan
    elantan Posts: 21,022 Forumite
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    ooo hello mrs did know you had a diary will pop in tomorrow if i get the chance have to disapear off to work just now though
  • skint_spice
    skint_spice Posts: 13,409 Forumite
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    Yeay, two items listed - hope they sell!
    Mortgage OP 2025 £6200/7000
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    Mortgage balance: £36,255

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    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
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    The raspberries were delicious. :j I thought I had ate them all last week so was really pleased to find a new crop when I went into the garden.

    Left flowers for MIL in kitchen as a surprise and then dropped kids at SIL... so don't know her reaction yet. Prepared a box of goodies from things I already had for sister (who is poorly sick). She was thrilled to bits as she is also a DFW....:j I've also agreed her Xmas present (yeah I know....) from something I already have unopened (shopoholic past):rotfl: ... and she would be dead chuffed to receive it as she has been borrowing mine:D!
    Going well so far. Had another NSD which I think makes 4 in 8 days. :j Despite only starting last week I may make 5 NSDs this month! Definitely helps having a mindset of make it an NSD - as otherwise I normally take sister out for a meal. Last time cost £25! :eek: This time I offered her a McFlurry! ;) We didn't bother in the end!:D
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • skint_spice
    skint_spice Posts: 13,409 Forumite
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    SH, well done on the pressies, I'm already looking at christmas and trying to put bits away, I'm hoping this means that I can stick the money in my savings account and the money in my sealed tin towards the debt if I do the shopping now in dribs and drabs.
    Two watchers on one item and one on another - hope my stuff sells.
    Went back to work today and drove at 60mph where possible (ok for about 90% of the time) so hopefully the tank won't need as much to fill it at the end of the week.
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,255

    Money making challenge £0/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • skint_spice
    skint_spice Posts: 13,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well four watchers now on one item but none on the other, must look for another couple of things to stick on tomorrow. Still driving sloooooooowly and it's boring but if it saves me a couple of pounds a week it'll be worth it. It was another NSD but really need to buy some fruit just can't be bovvered going to the shops.
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,255

    Money making challenge £0/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • skint_spice
    skint_spice Posts: 13,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've still not managed to get anything else on ebay but six watchers now on one thing and one on the other - it's getting exciting. Was a bit naughty earlier and went to the chippie...I MUST DO BETTER!!!
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,255

    Money making challenge £0/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Skint...I missed this diary - I'm going to read through it all now.

    Hope you are well, not *spoken* in a few days.

    x
    :p I'm the only gay in this forum :p
    *Everybody wants prosthetic foreheads on their real heads*
  • skint_spice
    skint_spice Posts: 13,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Skint...I missed this diary - I'm going to read through it all now.

    Hope you are well, not *spoken* in a few days.

    x

    Not much excitement here I'm afraid, just trying to guilt myself in behaving!:o

    How's my fave barman anyway? Just typed bareman by mistake - oops!:rotfl:
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,255

    Money making challenge £0/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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