Just the three of us - new beginnings!

Double_Trouble

doodledo wrote: »

Arrghhhhhhhhh DT! I still think it's going to be a yes as we sent ours at the same time. Fingers still crossed although it's causing me great problems typing so hope they get a wiggle on :rotfl:

That made me spill my coffee laughing just imagining it but I think hell will freeze over before I hear anything so in the spirit of allowing you to carry on with your life feel free to uncross them I have I am even checking my emails less now

DTxx

LittleEmms

Hi Doodle

Glad to hear you sound a bit more upbeat again Was all worried about you the other day!!!

Well done on the xmas wrapping – I started on mine last night, only the nice square things mind you – CD & couple of DVD’s … Couldn’t face too much so kept it nice and simple!!!

Ooooo decisions decisions.. I’ve been advised to get the emergency fund together first by a lot of people – but reading Martins advice – I should pay debts first… its still something I’m struggling to make a decision with – so love to see what others reply to you with!!!

Good luck for MSE tasks today!

x

edinburgher

Typical - I stay off board for a few days and everyone gets down in the dumps! Just kidding (not that narcissistic!), but it is good to see you being a bit more cheerful

I'd strongly recommend building up some sort of emergency buffer - don't go over to the 'doomed economy' board, as you'd panic straight away! Also, they're very mean to DFWs and call us all 'huggies'! That said, we do use a heck of a lot of suspect hug smilies.

You could maybe do something along the lines to what I'm trying - which is a multipurpose emergency/savings fund? Essentially I'm saving a fixed sum (think it's ~£160/mth) that goes straight into my IF isaver on the first day of the month. It's multipurpose as it will get used either:

a) As emergency monies If my GF fails to get a contract extension/new job in August
b) As a hefty debt payoff if everything goes to plan and we don't need the emergency fund in mid 2009...

I think the general consensus is that an emergency fund of some sort is essential, even if it's just your sealed jar..

tigzem

Hey Doodle Do, just swinging by to say hi.Sorry to hear about Aqa, their loss!!!

x

doodledo_2

Definately feeling a little more upbeat today, onwards and upwards and all that lol

Edinburgher - I like the idea of a savings pot for emergencies and then maybe if I get it to £x without needing to use it then I can chuck it at a debt. I won't be saving a huge amount though thats for sure lol.

Tigzem - definately their loss

hypno06

I would def go for a bit of an emergency savings pot......you would be gutted if an emergency came up and you had no money to bail you out - that would really be something you can do without.

Of course, if you don't need your emergency fund, you can always pay it off a debt later on.

doodledo_2

Thanks Hypno. I think I am going with building up a small emergency fund, then should I not need it I can pay a few hundred off a debt and start again :T

Busy day at work today although made bearable with fresh mince pies

Not sure what to do this evening I am quite tempted to sit and mooch online and watch TV but I have a pile of presents still to wrap.

CAFCGirl

watch and wrap?

Double_Trouble

Dear Doodledo

I am saying this really quietly as I feel guilty I heard from you know who that I got in today. So although obviously I am very happy I feel sad that you are not going to be my buddy in this.

DTxx

doodledo_2

Awww don't be silly DT be proud I'm really pleased for you. I had a feeling it would be good news :T

When do you start?