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My yearly spend 2008

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Comments

  • jm28cardiff
    jm28cardiff Posts: 210 Forumite
    southernscouser wrote: »
    I wanna know. :D

    Lets just say XXX is adult spending, im not breaking it down any further!

    Collectibles is something nerdy I collect!
  • savingholmes
    savingholmes Posts: 29,140 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wow very organised and brave to post that up. I wouldn't know.... oops!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
    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 16/1/26
  • DoWhatULove-LoveWhatUDo
    DoWhatULove-LoveWhatUDo Posts: 393 Forumite
    That's a very comprehensive breakdown. I'm a little stunned, in a good way, at exactly how comprehensive. ;) I think it's pretty self evident in which areas you could make cutbacks if you were minded to do so.

    You have provoked some post New Year Eve fireworks pondering at how much my glass of wine after work habit, and buying pretty things from The Pier habit would add up to over a twelve month period.

    I fear that I am not self disciplined enough, or brave enough, to find out.
  • tinypawz
    tinypawz Posts: 219 Forumite
    So very interesting......so going to be doing this in 2009.....now, where did I put that notebook?...
    LBM May 2007 -£20584!!! :mad: (£18k is ex-husbands-nice guy, eh?:mad: )
    [strike]Dec 2008 -£15095[/strike] [STRIKE]Jan 09 - £14871[/STRIKE] [STRIKE]Feb 09 - £14534 [/STRIKE] [STRIKE]Sept 09 - £12463[/STRIKE] [strike]Jan 10 - £11805[/strike] May 11 - £7981
  • PasturesNew
    PasturesNew Posts: 70,698 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jm28cardiff wrote: »
    £4065.95 Credit Card
    On what? That's a big mystery hole there.

    Trips to Thailand for ladyboys?
  • moo2moo
    moo2moo Posts: 4,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Going by the OPs overspend I would hazard a guess that the £4065.95 is credit card interest @ £250ish a month.

    T'is quite scary though. Thinking back that means I've spent over £1000 on horse riding lessons for the DDs in the past year. They won't be going every weekend next year!
    Saving for a Spinning Wheel and other random splurges : £183.50
  • jm28cardiff
    jm28cardiff Posts: 210 Forumite
    PasturesNew wrote: »
    On what? That's a big mystery hole there.

    Trips to Thailand for ladyboys?

    Thats repayments, including a couple of big lump sum repayments.
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Hello jm28, I thought I recognised your name, then I remembered that two years ago you sent me your fabby Excel spreadsheet. I use it every day - it's really helpful. Thanks so much!

    I really want to know what the XXX is though....
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • Casperthefriendlyghost
    Casperthefriendlyghost Posts: 960 Forumite
    Hi jm28

    That's so amazing, I feel a spreadsheet coming on too for sure. Please could you pm me your spreadsheet, without the details, if you like. Would absolutely love to be able to know where every penny I spend goes to. It'll be a serious eye opener.

    Thanx and well done with your spreadsheet, it's amazing, motivational and inspirational.

    Cheers
    Casper
    x x
    LBM Feb 09[STRIKE] £64 427.32[/STRIKE] £13 700.59! Sub £15 000!
    DFD July 2018
    GC 01Dec ~ 30Dec £40.00 SSF £00.00
    NSD 00/20 WSC (08~14) £13.59 SSF £00.00 DFW Nerd 319 Proud To Be Dealing With My Debts!
    "Captain Jack Harkness! When will you learn that you can't solve every problem by shagging it?!"
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