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Saturday 30/08/08 What small dfw things have you done today??
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Hi all, anyone else about this eve now the site is back up? Well ive had a not bad but not good week. Spent bits and bobs
Its my birthday on the 9th and today i was given a few pounds birthday money from my sister early, and i saved up 50 pounds to go shopping myself! so i went out, treated myself to a nandos, starbucks, and got some lovely me to you cute animals!! couple other bits too and a new hair clip. So a nice treat for me for a change!!
On the positives, and even though im off on hols/uni trip on tuesday im going to get back into frugal mode whilst im there. starting tomo even! I want to save as much as i can now in the next 12 months. a new start for me!! going to do my own diary! ive sorted out one credit card, they owe me 5000 points and will add them on in 10 days! free shopping! Im bringing in own lunch tomo, will walk to station and back, use cheap travel rate. save the petrol in the car.
I did washing today, got some dry putitng it out, but was so lazy its half done and im going to have to re do it all before i leave for work in the morning. i had such good intentions!! Have to get up early now tomo!!
Right so, i need to save up 10k in 12 months to pay off my student loan.....here goes!! Ill be on here all the time still guys....Andan and sophiesmum and co hope your all well too and motivated...
TallieDebt for Tallie - JUNE 2009NATWEST LOAN......5000.00CREDIT CARDS........5000.00STUDENT LOAN.......7500.00TESCO CARD..........1000.000 -
I have converted to Stardrops multi purpose cleaner, 66p per bottle, I think that will save me about £5 per month on cleaning materials, perhaps more.
Andrina0 -
I save even more by not cleaning!
Actually LOVE stardrops ( almost as much as my pressure cooker!) and have bottles of it diluted upstairs and down - fab stuff.
Had a LSD ( no such thing as a NSD here it seems)
:jpotatoes from the garden
:jwhoppsied (sp?) salmon
:jall rest storecupboard stuff ( we are reaching bottom of cupboards now)
:jjoined my first grocery challenge. It will be a challenge too !
:jread my gas & elec meters and put them on spreadsheet ( done daily for 2 weeks now) - I'd like an energy meter but they cost money!Getting there...slowly!
GC : must do better
NSD: very rare
No matter how slow I go I am lapping everyone on the couch.0 -
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Evening all, its certainly been a strange day without mse!!
Was recovering with an awful hangover today, thanks to celebrating my partner's 40th last night!!
Did manage quite a few things though!:
-Sorted out and cleaned room for foreign studen
-Read through new guidlines for just passed people
-Washed my lovely car ready to take her out on her first solo drive!!
-Also cleaned the inside of her after lending her to my messy partner
-Looked for mystery shops
-Wrote up a mystery shopping report
-Cleaned bathrooms
-Cleaned kitchen
-Made meals from the storecupboard
-Put money in piggy pig for challenge a day
-Filled out application form to accept place on counselling course
-In a mo i will order my sat nav! - done, got one for £55!
-Have updated £10 a day challenge
-Have signed up for next £10 a day challenge
Have a great night everyone and see you all tomorrow!
Tallie, defo keep posting on here, am sure we can all help keep you motivated and also were really nosy and like to read your posts!!:o
Also nice to yorkshire belle and candy again, feels like a party where you haven't seen certain relatives or friends for ages:rotfl:
Bluefluer and ally, well done on your grocery savings, thats good going.:j Live on £4500, £2531/£4500:T 101 in 1001 (52/101):j:beer::j
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Andan - when is your first solo drive? I can remember the feeling - very excited but a bit weird too! Sure you'll enjoy it, how far are you going?:jGetting there...slowly!
GC : must do better
NSD: very rare
No matter how slow I go I am lapping everyone on the couch.0 -
Ahh thanks all!!! Its been a long old week in the control room too, messed around a bit working in different locations ( those that know the new one blew up 4 days in!!!) im back at the new one tomo, hopefully its safe!! Well see! Im going to use up some baked spuds and phili light i have at home. plenty stuff in my locker too. i mean its like a supermarket in there! i sued my expenses we were allowed whilst in temp place to get non perishable stuff and brought in sadnwiches and stuff from home instead!! its was a great money saving idea!!
Tomo ill also not buy any cola!! ill bring water and squash i have left in the cupboard somewhere. ive tons cereal bars too to use up so that will be breakie
Well done andan finding the course. im going to hunt when i get back new ways of savings pennies, freebies and ways of reducing costs..
Im so tired after 12 x12 hour shifts in 14 days and back for a 9 hour shift tomo so bed for me!! Ill miss you guys but will try get on tomo whilst at work! lol!!!
TallieDebt for Tallie - JUNE 2009NATWEST LOAN......5000.00CREDIT CARDS........5000.00STUDENT LOAN.......7500.00TESCO CARD..........1000.000 -
~Yorkshire_Belle~ wrote: »Andan - when is your first solo drive? I can remember the feeling - very excited but a bit weird too! Sure you'll enjoy it, how far are you going?:j
Taking her out tomorrow, only going about ten miles, to where my friend lives, figure its better to start off walking before jumping head first in!! Am slightly nervous, even though its a bit daft really as the past twenty odd lessons including the driving with my partner, i have needed no input from them. In fact its only likely to be wierd, as i won't have anyone talking in my ear, so may put the radio on low. My boyfriend got so fed up going out with me, he'd just take a paper and sit there reading, so i often forgot he was with me:rotfl: Thanks for the supportx:j Live on £4500, £2531/£4500:T 101 in 1001 (52/101):j:beer::j
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Missed a few days. Finally managed another NSD taking total for month to 7. Referred OH to Bview and he did reviews which hopefully with bring in another £20 in Amazon vouchers.:j
Been swapping rooms about in the house - in case we get a lodger Monday - but at the moment it looks highly unlikely. The college now reckons they can fit everyone in. :mad: Boo hoo - although nice to have space and privacy. Bed now set up in the room tho.
Took pictures of desk so can sell. Trying to persuade OH to ebay sell things. He doesn't think it is worth the time and effort involved but will happily sit there for hours playing computer games ARGHHHHHHHHHHHHHHHHH! :mad: Very annoying!
I still can't get paypal to work - so am struggling with getting set up on things. This week I have signed up to Pinecone, TrustedPlaces and Slicethepie so hopefully I have increased my earnings potential.:D
Amazingly - talked about journal jars with OH and he was very impressed with the thought - felt like taking his temperature!:rotfl:
This week took DD and DS to doctor and got Hedrin on prescription (wonder what that's for;) )- normally buy ourselves at £11! so chuffed with that. Also got lots of new moisturising cream and hydrocortizone cream for kids which normally I buy at least some of. Also got 2 month supply prescription for me!:money:
Have updated my list of completed Xmas / Birthday presents - currently at 9 out of 25 between now and end of Jan. Really chuffed as that includes most expensive 2 DD and DS! Hopefully I will stick to plan and not spend unnecessarily. Very inspired by the yule log and flannel reindeer ideas - plan to give that a go.:T
Bye for now!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/250 -
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