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New DFW - Now my diary!!!
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Good luck with finding a present - you could always look / post on the special occasions board for ideas?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/260 -
Thanks SavingH, I know what I want to get him - its just finding it for the best deal!!! I've signed up to a couple of websites to see if they send me a discount or anything
I also need to look into Quidco, etc to see if I can start getting some cashback on these type of things...
Well had a good end to the week, was so busy at work yesterday though as lady who I am covering for maternity, it was her last day - I've definitely had a sink or swim week ... and I think I'm swimming.. albeit, maybe doggy paddle :rolleyes:
Little money downer yesterday though - I did spend just under £10 on lunch. We went to a pub (overpriced pub at that) for her leaving lunch - I ordered a sandwich as I was trying to be good and believe me it was one of the cheapest things on the menu... at £6.95... :eek: It was rubbish and I was still hungry that I had to buy crisps and a chocolate bar back at the office from the vending machine...
I had promised to the take the b/f for dinner last night - but we went to a local lovely pub and his workmate's wife works there... she gaves us a voucher just before we got the bill that gives you a bottle of wine free if you buy two main meals (or alternatively two drinks)... so £7.50 off the bill!! Kinda made up for the god awful sandwich!! Irony is my very filling dinner (which was gorgeous too) cost only £1.50 more than the evil sandwich ... :rolleyes:
However all the above is on my shiny new spreadsheet
I'm still within this weeks budget although I have only £5 to last me until next friday! lol!! I have my petrol though and I have a seperate budget for food shopping (in spreadsheet too!). This is all helping in making me feel in control and to be able to see just how much I can reduce my debt by if I keep to the payments I believe I can.
Off to change my signature to include some new challenges - find I actually stick to things better if I have you lovely guys to answer to! LBM - 17th November 2008 - better late than never :rolleyes:
Challenges - 2009 - Reduce CC to £1k by December
June - Food £86/£130 * Petrol £50/£80 * Weekly allowance * £80/£1600 -
Hi little emms - glad last night's meal turned out better! I have joined the shoppingdiary thing yesterday to try and track my spending! Shocking! Average £25 a day!
Lots of people on the boards are dieting so decided to join an online diet thing today £29 for 10 weeks... Will see how I get on!
Have a good day!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/260 -
Thanks SavingH... the spend diary thing sounds really good!
Been food shopping today - spent £41.35 - bit more than I wanted to but do have toilet rolls for the next 3 weeks - the big pack was on special - I also have freezer meals into the week after next, and I'm going to get strict on sticking to my meal plan!
Everything else is ok - am actually looking forward to getting into some sort of order at work tomorrow .. last week was soooo busy.. Hopefully be able to pop on here at lunchtimes - the IT dudes sat with me last week, its pretty relaxed as there isn't really a canteen or anything and as long as you don't take the mick.. they're cool! :cool:
Right off to have dinner - hope everyone has had a good weekend!
over and out
LBM - 17th November 2008 - better late than never :rolleyes:
Challenges - 2009 - Reduce CC to £1k by December
June - Food £86/£130 * Petrol £50/£80 * Weekly allowance * £80/£1600 -
Hi emms hope your second week goes well!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/260 -
Morning everybody!!
Can't believe its thursday already and I'm only just checking in!!!
Been out most nights this week (all cheapy mind you!!) ... will do a proper entry this evening ... hope you're all well???LBM - 17th November 2008 - better late than never :rolleyes:
Challenges - 2009 - Reduce CC to £1k by December
June - Food £86/£130 * Petrol £50/£80 * Weekly allowance * £80/£1600 -
Hi Emms! You must be as busy as me if you are only just checking-in now!!
Hows the spreadsheets going?
Nats xstart = Wed 19th Nov 2008 £21,225
end = Mon 28th Sept 2015 DEBT FREE!
I love a good plan - it may not work.... but I love a good plan!0 -
GIRLS WE NEED TO CONCENTRATE
We must all check in more to celebrate our successes and confess our sins:rolleyes:
Doesn't life keep getting in the way though?LBM- finally kicked in 16/12/08 @ [strike]£41,862 [/strike] £0.00/ DFD- 24/12/13
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Glad work is going well hun!!! but agree with obnw, we need more check ins!!!!!December 2018: £20,850.24. Now: £18,333.02 Total paid in 2019: £2517.22
Weight loss: 1.5lbs0 -
Come on then Emms..... where is the post????LBM- finally kicked in 16/12/08 @ [strike]£41,862 [/strike] £0.00/ DFD- 24/12/13
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