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My diary... becoming debt free whilst still having a life!!!
Comments
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Thank you all! I had a feeling the weekend would be tough as during the week at work I have so much to do i dont have time to think about the debt.
ah well.............If you wait for perfect conditions, nothing would ever get done! :T
I'm not short - I'm condensed awesome!0 -
OK I have decided I am going to STOP looking at numbers, doing sums, sighing alot and slowly getting into a depression. When I look at the bloomin interest we are being charged each month it really does make me want to weep.
We ARE in a better place than when we started this in June, so that has got to be good. I am not adding to my debt in anyway and there have been many opportunities believe me since June. So I am going to stop now go and have a cuppa and spend so time with my little one.
I am feeling a little :mad: and a littlebut mostly I am OK.
Thanks to you all.
xxxxxxxxxxx:AThe good you do comes back to you.DFW Long haul supporters No: 1340 -
btw I am sleeping ok now thanks
Ruby never to early for chocolate or wine!! or sweets or cake or chips.......[/HTML].
Hi SC
Glad you are sleeping, things always seem more manageable don't they when we get the sleep we need.
If you manage to get a photo on here from your phone, please tell me how!! and I would love to see it.
and as for the chocolate..... might have a biccie with my cuppa.
xxxxxThe good you do comes back to you.DFW Long haul supporters No: 1340 -
DS and I have been picking free cooking apples from a freecycler and then went for a walk so I feel very virtuous. Intend to make some apple pies, apple sponge and apple crumble later...
DD has had a friend round to play and not spent any money yet today... May need a pack of sugar and some more butter tho before we can do any cooking so may still not make another NSD!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 -
savingholmes wrote: »DS and I have been picking free cooking apples from a freecycler and then went for a walk so I feel very virtuous. Intend to make some apple pies, apple sponge and apple crumble later...
DD has had a friend round to play and not spent any money yet today... May need a pack of sugar and some more butter tho before we can do any cooking so may still not make another NSD!
Yummy....fancy a visitor?The good you do comes back to you.DFW Long haul supporters No: 1340 -
been trying all afternoon to try and upload the pic of my fairtrade hamper cant seem to get them to come on to the message directly so trying this
http://i284.photobucket.com/albums/ll34/cas2717/Photo-0087.jpg
http://i284.photobucket.com/albums/ll34/cas2717/Photo-0086.jpg
its only small hamper
at the back is an envelope with pantotickets (cant see it)
there is an assortment of fairtrade choc bars (white/ dark/ milk
fairtrade cereal bars
fairtrade nuts and fruit
fairtrade belgium chocolates
3 bars of orange fondant filled choc
SH how do you get pics directly on to the thread?0 -
been trying all afternoon to try and upload the pic of my fairtrade hamper cant seem to get them to come on to the message directly so trying this
http://i284.photobucket.com/albums/ll34/cas2717/Photo-0087.jpg
http://i284.photobucket.com/albums/ll34/cas2717/Photo-0086.jpg
its only small hamper
at the back is an envelope with pantotickets (cant see it)
there is an assortment of fairtrade choc bars (white/ dark/ milk
fairtrade cereal bars
fairtrade nuts and fruit
fairtrade belgium chocolates
3 bars of orange fondant filled choc
To get the picture directly on the thread - in photobucked - resize to medium or large, save then at the bottom where there is an image code - click on it and it will say copied - then just paste into the "reply"
Ruby - DD and I have just been making apple sponge it looks about ready? What time will you get here?
See you soon:cool: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 -
Hi SC and SH
SC, what a wonderful looking hamper and very classy. I love going to panto and can think of nothing better really than sitting in a good panto eating good chocolate!!!
SH, I will have to leave the lovely sounding apple cake to you and your family because I am in my pj's early tonight, so not coming out to play anymore for today. (I blame the clock change for me needing to get cosy).
(Not a good look though (me in my pj's), almost as bad as pop socks!!***)
:rotfl: :rotfl: :rotfl:The good you do comes back to you.DFW Long haul supporters No: 1340 -
rubydoiwannabee wrote: »Hi SC and SH
(Not a good look though (me in my pj's), almost as bad as pop socks!!***)
:rotfl: :rotfl: :rotfl:ARGHHHHHHHH pop socks have reared their ugly heads again:rotfl:
as i remember we were all joining pop socks anon to try and kick the addiction or is it affliction:D
thankyou both for your lovely comments on my basket had it not been for this diary I never would have dreamed of doing such a thing and I really enjoy doing them. i have lots of ideas
SH I have tried to post on finished hampers managed an ickle pic so I am improving my computer skills too:D
incidentally the baskets are from JTF wholesale a set of 2 small 1 medium and 1 slightly larger for £3.500 -
Hi Girls!
Sorry I havent been in touch, totally hectic week and then caught a very rotten bug and have been very poorly indeed! In fact my mum came yesterday to nurse me and I actually feel much better today! Hurray for mums!!!!
Girls, what can I say, so many trauma's in such a short time! Even tho I havent posted, I have been reading and am thinking about you all! This is all so difficult but think where we would be if we hadnt started down this road.
I am also feeling like Im taking 1 step forward and 1 step back! The money I make from parties goes on food, essentials etc cause husbands money is needed to take him and 3 kids on church weekend. I just cant get ahead at all! I get paid weekly and am dragging my butt from week to week, hoping the next week I get sorted. Have you any suggestions? How I can get better sorted and feel more in control??Debt - £10,000
Small changes..... Big Differences!0
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