The ultimate incentive to get debt free, can I do it by New Years?

Cinny91

Birdie85 wrote: »

I wish my BF and I were as good at money making as you two, he can't even get his head around Quidco never mind anyhting else!

Ditto! Rich is just getting to grips with MS ect. It doesn't seem to bother him being in debt, but I know he's trying his best on a poor wage packet so I'm not pushing him anymore!

My sister read Anne Frank when she was about 11 - she loves WW2 history from the Nazi Germany side - but I was like you, more interested in easy read things like Ally's World! Still haven't read it, but I watched the series and liked it where as my sister hated it as the facts sempt all wrong?

Moving onto Atonement after I've finished Love Lessons, have a horrible feeling my mum might of swapped it on RiSi though.

Tete_en_l'Air

Birdie85 wrote: »

I'm another one who has to read the book before seeing the film; then I complain because the film isn't as good as the book or they change the details etc!

Haha, or the characters and sets don't look how you imagined them! I was very upset when Gary Oldman was cast as Sirius Black as I'd really quite fancied him in the books!

I have to confess I didn't really like Anne Frank's diary, I though she seemed like a bit of a brat. Maybe if I read it now though I might be a bit more sensitive to her situation! And I guess it was her private diary, not intended to be read. I went to the annexe thing where they were living in Amsterdam a few years ago and found that really moving, I've been meaning to re-read the book ever since.

Cinny91

I've been to the annexe too, I was only 9 at the time and it freaked me out, I remember the line to go in and everyone was all laughy and chatty then coming out the other side it was a dead silence. Love to go back now I'm a bit (a lot) older.


Been onto OH about this camping week with his family. I've told him I work hard *ahem* and I'd like a week away in a cottage in August too :A everything split 50/50 so I'll see what he says. Will be taking his little brother and friend along in the car with us to set up camp in Cornwall- his little brother is one of those kids you find the need to spoil rotten but have no idea why so I'm kind of dreading that!

Dinah93

OH came home last night and said 'I need to take a mug and some tea tomorrow, it costs 25p from the machine for a cup. I managed to only have 4 today (he's got into tea in a big way since moving over, must be a brit aclimatisation thing) but £1 a day will certainly add up'. Was so proud of him! He's been taking a packed lunch too. I really love that he's as committed to saving for the deposit as I am, possibly more so, makes me feel all warm and snuggly inside. Last night we said we'd only do money making until 10pm, which was about an hour and a half, but bless him he lost track of time and ended up doing it till nearly 11! By which point I was too tired to read or watch a film so was straight to bed (which is definitely more fun than a book anyway!).

Had to rescedule my MS from lunchtime today as there is too much ice and its snowing heavily. Going to go tomorrow instead.

OH's cheque with his savings from Ireland won't clear for a week. Which means I need to loan him the money to pay for the car, and pay for the insurance on the credit card. This will leave me less than £20 in my account until the cheque clears and he pays me back, my mobile bill already came out for the month, so fingers crossed there shouldn't be a suprise payment that takes me overdrawn. If there is I'll have to take it out my ISA so I don't get charged.

Cinny91

Bless him! Glad he's settling in well at his job. So chuffed for you two, all lovely dovey and what not, once you've got your debt cleared I bet you'll be getting your deposit together in no time.

If you're buying the car off of your parents couldn't you explain the situation and ask if you could pay £50 less, then pay them it when NIM cheque clears? Better that then being overdrawn.

Getting confused over these darn account books at work. I don't do accounts! I do sage processing and tea making, I only use the books when money comes in. It's going right over my head here.

Dinah93

Doubt they have the money either tbh, they're on a dmp and it seems very, very harsh. Hence why dad is decorating the car dealers lounge and kitchen rather than give him cash!

I think we should have £20k saved by the end of the year (about £16k from wages and money making, if NIM gets full time hours, and he already has a little savings, but course fees for OU needs to come out of this) since NIM intends to continue working while he does the OU course. My guesstimate is if we are looking to buy in summer 2011 or so, when he's finished teacher training and hopefully has a job lined up, we should have £50k or so as a deposit, as savings will likely slow down in his PGCE year unless he does this also with the OU, which would put us pretty much bang on to buy up to a £200k house, which would be a pretty decent 3 bed in a rural or suburban area with nice garden around here. We'd (like most people!) quite like a do-er uper, as OH is very handy, and I like the idea of making something my own and developing it. However I just keep thinking £1 saved now is £3 less to pay off a mortgage, plus having him on board is keeping my house broodiness under control!

Tete_en_l'Air

I thought the Irish were notorious tea-lovers? Look at Father Ted! Love that - house broodiness. If your parents are on a DMP surely they'd welcome a bit of extra board from NIM??

Eek, I've just given a 'somewhat useful' rating on dooyoo, stating that the review isn't actually about the product named ... I'm scared! Everyone else gave V useful but even the spelling and grammar were shocking!

poddle911

God you're wise Dinah! lol, super MS attitude AND a 22" waist - is there anything you can't do?! :rotfl:

Cinny91

Aww! You two are too darn focused, would be good if you can get in all together by 2011. If you managed that it would be pretty amazing, you'd of made yourself DF and a home owner in *counts on fingers* 3 years?! Or is it 4?...

Flower08

Dinah - how do you do it?? I wish i could get my OH fully on board with me when it comes to money saving!!! He does try bless him (half heartedly most of the time), but it only last for a few weeks at a time. Its quite annoying really as in that time when he is trying we manage to get more paid off our debts as he is really thinking before he spends any money, but then it just grinds to a halt!! I think i need a NIM!! :rotfl:
Although when i did mention to him about signing up for the MS he seemes quite keen at the idea.

I am so glad NIM has settled in at his new job, its so nice hearing you talk about him, knowing that he is there permanently now!