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First one to clear 15k gets a paper hat
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Morning All
Just want to wish everyone a positive money day.
Im going for a NSD, got to make my lunch in a minute and then I'm off to work, and going to be really busy today so hopefully that will take my mind off new slippers!
*cries* i want it to be payday alreadyWealth is not measured by currency0 -
Child Benefit has gone in today and hopefully I'll get my A&L statement so I can make a payment, then I can add it to my total so it looks like I'm actually getting somewhere.
Didn't get my £50 Paypal money so that means it should go in tomorrow, am trying not to use my debit card as I hate when I have a bit of money and lots of payments come out, mind you I did have to use it yesterday, so that is £41 to come out of my account in the next few days.
Added some coins to my tins yesterday, the coppers one is about half full now and the silver coin one is about 1/4 full.
Haven't done any more Dooyoo reviews but did get 10 ratings on my first one, 3 very useful and 7 useful, don't care what ratings I get as long as it brings in a few points.Sealed Pot Challenge #0160 -
Well we have finally got our BT refund from when we moved to Talk Talk back in July this morning, it's taken weeks and weeks to get them to refund it to us!, if it had been the other way round and we owed them we would have had threats and late payment charges by now, anyway, that means I have had another £11.72 to pay off my A&L card which I have done online so added to my totalAug GC £63.23/£200, Total Savings £00
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Hello wannabe paper hat-owners :cool: Well I've been a bit lax on this challenge so far, but am adding it to my sig today. Dooyou sounds like it is making everyone lots of points already - if I join as someones referral will it make them more points? First come first served!
I used to use Slice the Pie too but got bored of it. Might go back to it if I'm desperate tho
And on the topic of wanting to shop, here's an article about a brave woman who gave it up - and wore leaky wellies - for a whole year :eek: (not the American lady who wrote a book, but someone else - hope I am allowed to post this link (?)):
http://www.guardian.co.uk/environment/2008/oct/19/credit-card-crunch-budget
Pretty inspiring, but as always it's the presents that are the trickiest thing to avoid buying.0 -
£50 coming off A&L tomorrow, my statement didn't come today so checked on-line and payment is due, minimum payment was £25 so I paid double.
I got my Lloyds statement today, it's at 0 which is good, was thinking of closing it but the limit is £12,000, I was thinking of transferring a big debt to it but the offer isn't good 4.9% for 6 months with a 3% handling fee so not worth it, maybe I'll hold out in case they do something for a longer term.
Still haven't heard about my Virgin application.
Going to try and do a few more on Ebay this evening, I've sold a few things today which is good.
Took my youngest to Woolworths today as Pixifoto were there so will have to try and save a bit for a few extra pictures, I get one free but would like a couple more, she looked so cute.
Will be doing the Euromillions again this Friday, I won £15 a couple of weeks ago.Sealed Pot Challenge #0160 -
Nowt major to report from me today.
No Dooyoo's done for 2 days... hoping they'll average me out and not close me down for doing 14 in 2 days LOL
And I found a fiver on the floor today so Im gna put that in the pot.
My area manager is finding out about my expenses for me tomorrow so I should know come friday.
Got £30 left in my current acc but want to hold out till thurs evening just in case something mental happens and then I go overdrawn and get charged etc etc....
Still feeling good but really starting to miss shopping, got 2 days off now so its gonna be hard!Wealth is not measured by currency0 -
Evening one and all how are we?
Just checked my Dooyoo account and someone has sent me an email saying they enjoyed my reviews.
Now part of me is cynical and thinks they are just massaging my ego so I rate their reviews the other part of me is letting them massage my ego :rotfl:Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
just read the story of the lady who gave up shopping, very interesting. made me think that perhaps i should keep a track of things i havent bought to see how much ive saved!
have you guys read about the lady that lived on £1 a day? she was on chris evans show on radio 2 a while back.
Managed to withdraw another £10 amazon voucher from dooyoo and got £2 from lightspeed. i know i cant count the amazon vouchers against my debt but if i can get some christmas presents with them, then i'll put the money saved into savings.Aug £10 a day £0/£10000 -
Evening one and all how are we?
Just checked my Dooyoo account and someone has sent me an email saying they enjoyed my reviews.
Now part of me is cynical and thinks they are just massaging my ego so I rate their reviews the other part of me is letting them massage my ego :rotfl: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 -
Still didn't get expenses in, doing another trip Thursday so I faithfully promise to do in Friday, by then they will owe me over £300!
Huge dental bill to come in the new year...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
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