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Hello...
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do also need to put petrol in my car today before work or I won't get there:rolleyes:
Grab it quick, before they push the price back up! Have you got one of the big supermarkets near you? - they're the cheapest.
Many of us MSE'rs subscribe to this website:
http://www.petrolprices.com/
they keep you up to date for free on which of your local petrol stations are cheapest for fuel.0 -
Hi!
Sorry I haven't posted for a while - just been reading your thread to catch up! You sound like you've been doing really well - good for you! NS days can be tough - especially if you're out and about. I didn't have time on Thurs night to make my lunch for Fri, so I ended up spending £6 in Morries :eek: - ouch!DFW Official Nerd Club #1070
Proud to be dealing with my debts!
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I have a confession, yesterday was a disaster!!
- 1 tank of petrol in my car (will last no more than a week) £19.38
- 1 packet of chewing gum 50p
- 2 bras from La Senza - the damage? £12
- 1 new umbrella £5.99
- 1 bottle of fanta because I forgot my drink for work £1 (remembered my food though)
- 1 J2O at my friends party £1.90
- 1 Entrance fee for nightclub for my cousins birthday £6.20 :mad:
- 1 bottle of pepsi in said nightclub £2.80
- Total £49.77 :eek:

- £1.78 2 x impulse bodyspray (Bogof)
- £5.95 Foundation
- 26p Notebook for spending diary
- Used a £4.00 voucher so actual spend is...
- Total £3.99
Lets hope for more of the same
Much Love
Lizzie xxxxHSBC Overdraft with DCA @ [strike]£105[/strike] [strike]£55 [/strike] Paid Off :j Natwest CC @ £412.44 Family Loan @ £1500 Natwest Overdraft @ Limit of £2000:eek: Self confessed chocoholic giving up chocolate for Lent :eek:0 -
Hi Lizzie - it's nice to see another diary.
I think it would help if you worked out a budget for non-essentials, a budget for essentials and looked at how much you want to pay off a month. If you use the snowball calculator at whatsthecost you can work out which debts you are better paying off first and how long it is going to take you to be debtfree.
good luck with your journey...:cool:Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
have noticed I actually think about what I need before I buy it.
well Lizzie, that thinking process is a very positive step in the right direction and dare I say will probably lead you to the next stage - 'do I really need it'?
Think you have to accept [;) as we all do], there are some charges that you just have to "suck up" and there is absolutely no way to get around them, unless you are going to live like a monk:eek: .
My personal feeling on this is that if I can effectively find a way of getting/doing things cheaper with a similar result, then it allows me a bit more leeway when I have no choice but to pay up.
However, I have to admit it really ticks me off when I see an organisation 'sticking the arm in' [e.g. your nightclub] and if I want to continue, I have to pay. It's not as if most of these places lose out once you're in, given the massive mark-up on drinks.
So your 2nd week begins, it might help you to plan it out, in terms of anticipated spends. Also get your food for work sorted.
Good luck and good money saving.
How about giving yourself a bit of motivation and sticking 20p or 50p in a jar, for every time you save some money/manage not to spend money? When you get to a certain amount, you can treat yourself or use it for whatever floats your boat. Sounds a bit twee - but it works!0 -
:j :j :j :j :j :j :j :j :j :j :j :j :j
:j :j :j :j :j No Spend Day :j :j :j :j :j
:j :j :j :j :j :j :j :j :j :j :j :j :jHSBC Overdraft with DCA @ [strike]£105[/strike] [strike]£55 [/strike] Paid Off :j Natwest CC @ £412.44 Family Loan @ £1500 Natwest Overdraft @ Limit of £2000:eek: Self confessed chocoholic giving up chocolate for Lent :eek:0 -
I'm feeling good today

It's been another NSD so far and since its been cold & snowy here for most of the day I'm not planning on leaving the house for anything short of a very good offer (meaning one that doesn't involve me driving anywhere or spending any money)
So that will be the second this week.
Think I'm getting the hang of this :j
Much Love
Lizzie xxxxHSBC Overdraft with DCA @ [strike]£105[/strike] [strike]£55 [/strike] Paid Off :j Natwest CC @ £412.44 Family Loan @ £1500 Natwest Overdraft @ Limit of £2000:eek: Self confessed chocoholic giving up chocolate for Lent :eek:0 -
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Well done for your NSD's!! I need to take a leaf out of your book - I've been called into work a couple of times this week (and last week) and I haven't always been organised enough to make sarnies to take with me... I did buy bread and cheese from Morries though, instead of buying a ready-made sandwich, so in theory it should last a while longer!!
Cold and snowy??? SNOW??? eep!
Nomad - I love your little Mexican wave! How cute!!
Keep up the good work Lizzie!
GNR
xxDFW Official Nerd Club #1070
Proud to be dealing with my debts!
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