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BOB'S Cunning Plan

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  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A Cd good for positivity?think i need it.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Thanks, if you both want a copy i will gladly send one..:D
    As regards the Wii, i am only allowing the spend because it was an unexpected bonus and he will get extra, plus on the debt busting side he has made himself 'petrol neutral', by sharing journey's to work! so that means we now have the money to cover the recent spends on bed and white goods..definately a good start to the New Year.:j

    Last month we were even under budget..miracles never cease! And it is all extra in the pot..i think i will be totally bound up in spreadsheets and micro organising the budget, especially the food..i have worked out that we have saved over £1200 last year, by halving food budget and we ate out or had a takeaway in that..so i am looking for bigger savings by growing more, and being far more organised with menu planning.:D

    I also had a nice treat tonight at guides. It was the last meeting before Panto next week..oh no it isn't , oh yes it is..:rotfl: Recieved a lovely pressie and no aggro from them..so yep, it looks like i could be persuaded to stay:cool:
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Aw, things sound really good Bob! I love it when budgets go well, and the Wii sounds a v good idea, especially cos the money was unexpected.

    *** waves at Bob timidly ***

    If you're doing CDs, Bob, could I beg one from you? Will send you an sae, of course, since its *me* asking *you*....
    2023: the year I get to buy a car
  • Karmacat wrote: »
    Aw, things sound really good Bob! I love it when budgets go well, and the Wii sounds a v good idea, especially cos the money was unexpected.

    *** waves at Bob timidly ***

    If you're doing CDs, Bob, could I beg one from you? Will send you an sae, of course, since its *me* asking *you*....

    Of course you can..is no prob..:D
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thanks! I have no clever retorts based on Blackadder, so I shall resort to Babylon 5, and a character I cordially dislike: Abso-fraggin-lutely!
    2023: the year I get to buy a car
  • Hey Bobster, nice to hear some good news on the budget front - well done! :T
    Debt@16.12.09 £10,362.38, now debt free as of 29.02.2012.
    "I cannot make my days longer so I strive to make them better."
  • Morning squiz, thanks very much ..although i am still struggling with the concept of spending money..doesn't sit very well with me, i have to say...even though recent stuff is paid off..lol

    You sound chipper as well.x
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • Well had a rotten night last night, for some reason i got a bunged up nose, was sneezing all over the place and was definately gunky..I slept sitting up, because i needed to keep elevated...but the weird thing is despite a *Rudolph* Impression, i feel well..it may just be that my sinuses have cleared as i have been having a lot of headaches over one eye..and that has now gone...
    On the debt busting front we have recieved a nice little cheque for £40 overpayment of home insurance, i am sure it wasn't that..but hey i will bank it anyway..I think it may be true that sometimes money attracts money..
    Which reminds me i should update my sig, as wouldn't want Ellidee i am slacking on the challenge front..
    Not a lot planned today, will do my daily hassle of agencies for Jan work, and finish off the planning for my big essay..depressing or what?
    Hope everyone has a good one. BOB X
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • Morning squiz, thanks very much ..although i am still struggling with the concept of spending money..doesn't sit very well with me, i have to say...even though recent stuff is paid off..lol

    You sound chipper as well.x

    I know what you mean, you get so used to budgeting that it feels 'wrong' when you spend!

    Chipper.. yep, I shouldn't be, but I am quite! :p
    Debt@16.12.09 £10,362.38, now debt free as of 29.02.2012.
    "I cannot make my days longer so I strive to make them better."
  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That siggy is looking a lot more impressive today Bob - less amusing but a great start! aren't these things supposed to happen in threes? hope your luck keeps up.
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £38/400

    ”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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