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Trials and tribulations of a Debt Free Wannabee!

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  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi SH i didnt know you were penning a book . well done you, DH started a book years ago never got further than 3 pages :rotfl:. i would love to read it. (yours that is!)

    good luck with the interviews , the right thing has to be out there somewhere, and with all your hard work and diligence you are bound to find it soon

    I cant believe you have so much done for xmas already! I do have a couple of small presents for 2 aunts and thats it. I have so many birthday presents to buy in oct and nov ( including both DD's) and havent started on those yet. DD2 wants a couple of guinea pigs and I am really not sure about it ( I think she has persuaded her dad though:rolleyes:) but I havent got any other ideas for her .

    hope you're ok x
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 24 September 2009 at 8:01PM
    Swinstie73 wrote: »
    Sounds easy, what is passata though? Hot chocolate, what a weird ingredient, have seen a recipe using coffee right enough but never been brave enough to try it. Have never tried quorn mince either, ok going to the supermarket tomorrow so will get mince, hot chocolate and passata (when I find out what it is)! Thanks SH
    Passata is kind of pureed tomato in a box. In Asda you can get it for about 40p - it makes everything look a lot nicer - kind of more professional. You don't have to use quorn - I do just to lower the calorie count.... You could just swap normal mince beef for it. The meal should add up to arround 440 calories each for 4 people including about 30-40g of brown rice per person. I sometimes add a small onion and/or mushrooms and/or mixed peppers (usually frozen less waste)!
    sistercas wrote: »
    Hi SH i didnt know you were penning a book . :rotfl:. i would love to read it. (yours that is!)

    good luck with the interviews :T

    I cant believe you have so much done for xmas already! I do have a couple of small presents for 2 aunts and thats it. I have so many birthday presents to buy in oct and nov ( including both DD's) and havent started on those yet. DD2 wants a couple of guinea pigs and I am really not sure about it ( I think she has persuaded her dad though:rolleyes:) but I havent got any other ideas for her .

    hope you're ok x
    Thanks SC if the book ever gets finished I will let you know. I've never got past page 1 before. This time I consciously started at chapter 4! :rotfl:

    I have bought £1 Kilner jars from Asda (a special type of metal hinge and air tight seal) about 16 of them :rotfl:and divided tins of quality street, heros, orange segsations between them. They were on buy one get one free last week in Tescos! I also managed to get a 1kg bag of haribo mallows for 99p at Home and Bargain and have filled about 5 jars with those. Debenhams last year were selling jars like that for £10 and they were selling! Mine cost about £1.20 for the mallow and probably about £3.50 for the chocolate ones! So pretty much everyone in the family is getting one or more of them this year. Plus other wrap ups that were in the house or freebies I have picked up.

    I managed to get a photo frame with the word Memories cut out inside it for £2.99 in Home and Bargains - so I bought a couple of them for people I want to make more of an impression on LOL. That together with recycled gifts takes care of a lot of people. The hardest to sort out tho are my parents -altho I warned them they might not get anything and my MIL....

    Asda are doing loads of littlest pet shop stationary at half price (for my DD) - so I got a stationary set for £1.50, a little paint and crayone set for 50p, a massive pencil for 50p - a few weeks ago they did the pets for £1 each instead of £2 so I bought 3. I got a bratz doll half price for about £5 with a little monkey. She is also getting a barbie with the dog that can walk which was £10 off in Tesco at about £15. So that with books, hair slides, freebies etc that I already had is xmas for her finished.... Plus of course a jar of mallows.... I don't think there will be a chocolate jar spare (if there is it might end up in my pile LOL!)

    Got another £5 amazon voucher tonight from bp - should be able to use towards xmas too - probably for OH!

    I am planning to get a day bed for DS tho which I reckon with the mattress will end up at about £120 :eek: but I really want to get him one. It is his birthday just after xmas so will be a joint present. I have got him some wrap ups for xmas, he will probably get jars of sweeties and choccies for example so I expect he will be happy!
    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 10/10/25
  • Hi just to say i am reading and enjoying your diary kilner jars sound fabby!!!
  • those sweetie jars sound lovely

    I put money away each month for Xmas, but try not to start shopping until November at the earliest....then the time disappears & theres only 4 shopping hours left

    wonder if i was a man in a previous life?!
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi just to say i am reading and enjoying your diary kilner jars sound fabby!!!
    Thanks very much!:T

    I may post a piccie when I am feeling more organised!
    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 10/10/25
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Thanks very much!:T

    I may post a piccie when I am feeling more organised!

    you beat me to it, I was going to ask if you would post some pics, you inspired me last year :o:D
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well today I have a meeting about some youth work I am involved in - hopefully just for an hour or so

    Then hopefully either tidy up or do a bit more on my novel

    Pick up kids from school and take DD to a party

    What's anyone else got planned today?
    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 10/10/25
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Not much planned for me today, work till 5, then home to bed :) Hot water bottle and blanket on top of everything else I have on my bed and a DVD :) Perfect way to rest :D

    Hope DD enjoys her party x
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Very impressed with the plans saving ... Wish my lot would accept those lovely presents
  • elantan wrote: »
    Very impressed with the plans saving ... Wish my lot would accept those lovely presents
    Well they get what they are given - it is up to them whether or not they choose to be grateful. My DD will be made up with her pressies and my DS is happy with a bed for xmas and birthday bless! It will make his bedroom more social, more "cool".

    One of my sis is long term sick, another is unemployed like me, one is abroad but trying to come home and will be skint and my brother owns his own business and is weathering the recession but not doing as well as he would like. My BIL is doing extremely well but understands that we are not.... So pride is the only problem I think for me rather than reality....

    Hope you and Sal both have a good day!
    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 10/10/25
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