First one to clear 15k gets a paper hat

ShelleyC_2

Good Afternoon :wave:

Snow White hope you're felling fully recovered soon. Well done to all those kicking some debts butt.

PAID, do you lead you book club astray too? :rotfl: There was a thread about a DFW book club but whenever I've done online book clubs they don't work as well as real life ones.

CAFC I always feel really virtuous if I take my lunch in. Problem is most mornings I leave about 7am and can't be bothered to make stuff. Plus I hate soggy sandwiches if I make them night before

Beautiful sunny day here but very nippy. Just watching a replay of Oz open on telly then going to wrap up and walk over to a friends for coffee after lunch. I half days

PS have to confess storecupboard challenge was going pretty well but couldn't resist a craving for a subway last night - but went for sub of day so only two precious pounds wasted.

CAFCGirl

clearmydebts wrote: »

Yay! Has he had his lightbulb moment?

No... still dreaming about that one!

Shelley - It did feel pretty good, especially thinking about how much i probably used to spend on my lunch breaks, either on food or just wandering the city centre, today, total no spend! wahey!

Need to be better, health wise though.... thinking some crunchie veggie sticks... yum

savingholmes

Oh CAFCgirl - dilemma - we want you to knock £4K off your debt really quickly - but hey that paper hat is ours!

Paying off £800 tomorrow - can't wait to update my sig! Think I'm going to be naughty and do it early LOL

savingholmes

Oh I have also chased about 27000 points I'm owed by ipoints :mad: (and their merchants) - worth over £110 in Asda vouchers. Hope that gets sorted soon - I could really do with them as it was a kind of double your money offer... so i am currently out of pocket.

I also checked out my pension situation - I get 3x as much if I transfer it into another pension pot so I should do that... but it means I need to try and understand more about my pension.

No more news on the job front yet.... I've redone my budget - and we could live reasonably comfortably until end June but would only be able to pay off about £200 a month which is about what our minimum payments are.... Obviously that would shift our DFD date back about 6 years!!! :eek: Really need that new job...

Snow White - do I take it you went to the doctor then :T - are things improving now?

Dizzy bee - don't worry about the interest payments (other than try and get a better deal if you can) just log what you are paying otherwise it is too disheartening...:eek:

poorandindenial

ShelleyC wrote: »

PAID, do you lead you book club astray too? :rotfl: There was a thread about a DFW book club but whenever I've done online book clubs they don't work as well as real life ones.

LOL - much like on here: they don't need it

I hadn't finished the book when I got there and had to sit in silence in the corner reading it for an hour before we could start book club (thankfully the person that is always late was late so there was no pressure, not that it is a presurising sort of book club - it is more about a group of friends getting together than the books, but we all love reading too so it is a perfect excuse)

clearmydebts

Yay, changing of the signature time. I am so broke so won't be able to pay my normal amount but my savings are coming into my account some time next week so the signature will look a bit healthier.

SavingH,

Glad to see you have an action plan for if you don't get a job. Hope it doesn't come to this and you do get a job though.

ShelleyC_2

Blooming freezing here even tucked under my duvet. I might have to put heating on!

So what exciting plans have we got for the weekend? Its supposed to snow quite badly especially here in the East :eek:

Probably going to friends for dinner tomorrow. Bit of shopping in the day. And sunday staying tucked p warm and watching Oz Open final. Need to do a bit of account checking at some point. Need to get on Wii fit for about 90 mins before end of tomorrow to complete my mini challenge for January (How you doing on it Doodledo?!)

clearmydebts

Hiya ShelleyC,

Hope your well.

I am also freezing and have had the heat on all day. Am dreading the bill when it comes. I am going to the cinema this evening with a friend and am going to a girlies night in tomorrow night so looking forward to both!

On Sunday I am going to chill out all day and have a nice relaxing day!

CAFCGirl

afternoon all

Dh and I have planned a sit down to discuss the finances since he only got paid 650! and I think it has served as a bit of a slap in the face of realisation!

So hopefully get started on that in bit, no payments cleared today,.... bit sad but hopefully on monday a load will have cleared, so thats cool

savingholmes

I am having my hair done tomorrow - and later I am going to splash out on a hair magazine so I can decide what I want. I think I am going to give myself a pamper /relaxing day while OH and the kids help my sister move LOL. I did go and help last week and with everything going on at work and with my job etc I need a break.

See you all around.

CAFCgirl - well done on sitting down with your OH. I went thro our finances with my OH yesterday - he is really impressed at the improvement {we used to overspend by £1K a month - now we try to clear off / save that much}