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My diary... becoming debt free whilst still having a life!!!

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Comments

  • irishchick_3
    irishchick_3 Posts: 77 Forumite
    I will pm you if i knew what that was???
    I have to say, your sig often baffled me!!
    Debt - £10,000

    Small changes..... Big Differences!
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    irishchick wrote: »
    You know what? Id love to know your first names?!! Mine's Ruth

    Carolyn

    (that was too short to post so I had to put this lol)
  • rubydoiwannabee
    rubydoiwannabee Posts: 920 Forumite
    irishchick wrote: »
    Thanks Ruby! This diary really does help and Im glad you started it!!!
    Is your name Ruby?

    My name is Tracy, daughter is Ruby

    Hello my friends Carolyn and Ruth.

    xx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    rubydoiwannabee wrote: »
    My name is Tracy, daughter is Ruby

    Hello my friends Carolyn and Ruth.

    xx

    we are friends arnt we , I think we are a lovely bunch lol

    SH are you still doing the £2 savers club? would you believe I got 5 of them today!! only need 4 more to reach £100 then I am going to bank it
  • irishchick_3
    irishchick_3 Posts: 77 Forumite
    Hello my friends Carolyn, Tracy! How weird to know each others names!
    My £2 savers club is going awful!!!!!! They're like hens teeth!!
    Debt - £10,000

    Small changes..... Big Differences!
  • rubydoiwannabee
    rubydoiwannabee Posts: 920 Forumite
    Hi girls, I love the idea of a £2 savers club, but need each one too much to be able to put it away!! Well done all of you for putting them away.

    Weird day here today, feeling a bit nervous about Monday, but the rest of the family all seem on edge as well, so tensions are a bit high. Is it a full moon or something???

    We went to our local market today and got some lovely bargains, including a lovely joint of beef (topside) for £5, yummy!!

    Hope you are all ok and enjoying you weekend.

    LOL
    xxx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    irishchick wrote: »
    I will pm you if i knew what that was???
    I have to say, your sig often baffled me!!
    a pm is a private message - you click on my name and you can choose send a private message.

    The £10 a day challenge - is how to make £10 a day over and above your normal earnings. I do this through cash back sites, free bingo, free daily scratchcards at bingo sites, and sometimes selling stuff etc. On that particular thread we all share our ideas and successes on how to make that extra money. As you can see I do quite well on it. For me it will pay for christmas, birthdays etc

    Hope that helps
    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 13/9/25
  • ~Yorkshire_Belle~
    ~Yorkshire_Belle~ Posts: 580 Forumite
    Ruby
    The very best of luck for tomorrow, sure it will go well for you. Will be thinking of you.
    Hi to Cas, SH, IC . Hope you manage to keep warm and snug in this cold weather. DH has just taken DSs to an ice rink - bet it's warmer in there than outside!
    See you all soon
    x
    Getting there...slowly! :D
    GC : must do better
    NSD: very rare

    No matter how slow I go I am lapping everyone on the couch.
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    good luck Ruby hope you have a fab start to your new job let us know how you get on. lets hope thesnow doesnt affect things. its snowing here. we live on the edge of the pennines and its very hilly, so i am preparing to walk to work tomorrow
    YB hope you are ok enjoy the snow x
    IC hope you are feeling a bit better about things
    SH hows things any news on the job front?
    (((hugs))) to all of you
  • rubydoiwannabee
    rubydoiwannabee Posts: 920 Forumite
    T H A N K Y O U !!!!!

    No snow here yet, but it is blooming freezing!! I am driving somewhere I have never been first thing in the morning so I am praying for no snow down south!!

    Love and hugs to everyone.

    Stay safe.
    x
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
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